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NST June 2018 A JUNE ODESSEY (Staycation)
mothernerd
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NST June 2018
A JUNE ODESSEY
A Staycation
Getting into debt is much easier than getting out of it. We turtles have rejected the notion that possessions make you happy. We give up fleeting pleasure in favour of debt freedom and having the life we always wanted. We help each other, encourage and console when times are hard, celebrate one another's victories.A JUNE ODESSEY
A Staycation
Achieving debt freedom brings new challenges. All turtles have life challenges - too little money, work, children, study, ill health, support for other relatives, everything from pregnancy to bereavement. All of these and the decision to follow 'a differnt path' can bring stress at times.
Last month apple emphasised the value of Consistency. This month is all about making things better. We all have things we do well, we all have areas where we can improve. I want you all to make subtle changes (baby steps), develop good habits, ditch the negative (negative self talk, stress, mental turmoil). I am not asking you to do more, I want you to do less. Simplify, slow down, stop and step back. This does not mean that the normal rules will not be in place, I will admonish you gently in my best Joyce Grenfell voice.
No turtle is in competition with another. Your only competition should be with yourself, getting closer to your goal every day. Turtles do not fail, we may occasionally miss a target but we do not fail. The only failure is in giving up and we always get up (it may be next month or a few months down the line but we get up). No turtle gets left behind.
Expect words of wisdom, thought provoking ideas and things to make you smile, bucketfuls of help and encouragement and
Lots of Fun
A Ask yourself 'Is this necessary?' Before purchasing anything. When you make a 'to do' list (is it realistic or even possible). I have noticed references to 'a pile of ironing' or 'the ironing mountain'. In my experience, most ironing is unecessary. You are not an Edwardian lady with a house full of servants to iron the linen and the newspaper. You aren't a fifties housewife (on amphetamines).
J June challenge runs from 1st June to 30th. You will aim for 20 NSDs (tough target) or 10 NSDs (soft target - if you are struggling, take the 'soft' target and exceed it). YS (yellow sticker, reduced items) alone do not lose you an NSD. Safety overrides other considerations therefore medical purchases do not count and petrol as we do not want tyou to be stranded in the middle of nowhere (applies to 'oyster' type cards where you cannot determine when you will need to top it up). Greent has a milk exemption (many hungry boys and a very small fridge). Other exemptions will be considered on their individual merits.
U Use the food you have in the cupboards, fridge and freezer to base your meals on. Meal plan (for the month or for a few days at a time, whichever suits). Cook from scratch (short cuts permitted if you are feeling stressed)
N No takeaways, coffee, chip or pie shop purchases. Do not use works canteen (unless free/ highly subsidised), vending machines. Take your lunch to work every day (same applies to hospital visits and days out). If your family has a regular event (eg film night) and includes a takeaway, this is permissible. Similarly if you are meeting a friend and a coffee shop is the only convenient venue (or a 'social event' for which you have a budget) that's okay.
E Eating well is a form of self respect. Give your body the fuel it needs and appreciate all it does for you. No specific rule but I can recommend the 'emergency banana' or small bag of seeds and nuts to prevent the rush for chocolate.
O Offer help and encouragement to other turtles and people you meet. Be kind to everyone, especially yourself.
D Debt or savings payments should be made first - live on what is left
E Exercise according to your programme or your ability. Minimum of 3 times a week. Try to get outside every day.
S Set all your budgets before the start of the month. Food, travel, social, diy, other.
S Someone, somewhere is worse off than you. Donate to the local food bank or other charity of your choice. Clear some of your clutter and donate the goods to charity. Now is a good time to check children's clothing (I would always turn too short/ holey joggers/ trousers into shorts). If your family is complete pass on your too small clothing to relatives, friends or charity. Sell it if it's 'designer' - and ask yourself why you paid so much for something that only fit for a few months and spent most of its life covered in sick or poo (sorry, that's judgemental).
E Every day check in is reccommended, especially when things go wrong.
Y You are the most important person in your life. You are your own longest term investment. You matter. Read this and the daily quotes, take on anything you find relevant and helpful, ditch the rest.
Go turtles
J June challenge runs from 1st June to 30th. You will aim for 20 NSDs (tough target) or 10 NSDs (soft target - if you are struggling, take the 'soft' target and exceed it). YS (yellow sticker, reduced items) alone do not lose you an NSD. Safety overrides other considerations therefore medical purchases do not count and petrol as we do not want tyou to be stranded in the middle of nowhere (applies to 'oyster' type cards where you cannot determine when you will need to top it up). Greent has a milk exemption (many hungry boys and a very small fridge). Other exemptions will be considered on their individual merits.
U Use the food you have in the cupboards, fridge and freezer to base your meals on. Meal plan (for the month or for a few days at a time, whichever suits). Cook from scratch (short cuts permitted if you are feeling stressed)
N No takeaways, coffee, chip or pie shop purchases. Do not use works canteen (unless free/ highly subsidised), vending machines. Take your lunch to work every day (same applies to hospital visits and days out). If your family has a regular event (eg film night) and includes a takeaway, this is permissible. Similarly if you are meeting a friend and a coffee shop is the only convenient venue (or a 'social event' for which you have a budget) that's okay.
E Eating well is a form of self respect. Give your body the fuel it needs and appreciate all it does for you. No specific rule but I can recommend the 'emergency banana' or small bag of seeds and nuts to prevent the rush for chocolate.
O Offer help and encouragement to other turtles and people you meet. Be kind to everyone, especially yourself.
D Debt or savings payments should be made first - live on what is left
E Exercise according to your programme or your ability. Minimum of 3 times a week. Try to get outside every day.
S Set all your budgets before the start of the month. Food, travel, social, diy, other.
S Someone, somewhere is worse off than you. Donate to the local food bank or other charity of your choice. Clear some of your clutter and donate the goods to charity. Now is a good time to check children's clothing (I would always turn too short/ holey joggers/ trousers into shorts). If your family is complete pass on your too small clothing to relatives, friends or charity. Sell it if it's 'designer' - and ask yourself why you paid so much for something that only fit for a few months and spent most of its life covered in sick or poo (sorry, that's judgemental).
E Every day check in is reccommended, especially when things go wrong.
Y You are the most important person in your life. You are your own longest term investment. You matter. Read this and the daily quotes, take on anything you find relevant and helpful, ditch the rest.
Go turtles
My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.
NST SEP No 1 No Debt No mortgage
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Replies
1 mothernerd
2 greent
3 Kerry Woman
4 laurenh1
5 sashanut
6 f0xh0les
7 misstara
8 Puddleglum
9 swimminginaseaofdebt
10 crazy cat lady
11 LavenderBee
12 Littleskintdragon84
13 Toni'sfriend
14 Dia Pita
15 indigowarrior
16 thriftylass
17 Eager elephant
18 DawnW
19 cybertortoise
20 apple muncher
21 shabbychic12
22 Dottydaisy
23 Tropically
24 gien
25 bizzie
26 Munchin
27 LongTimeLurker18
28 Fmess
29 DizzyImp
30 lindez
31 x Raphael XX
32 Calling14
33 Moguline
34 Dolly84
35 nannygladys
Count me in please Mothernerd - tkyou!!
June's end is the half way point for a few of my evil genius plans. so a lot of this rings true for me.
I still am Puddleglum - phew!
but I will endeavour to stay on top of everything.
Working hard to pay off my debt
Time to take back control
https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=1