NST Penny Pinching GoSober Stoptober

thriftylass Forumite Posts: 3,981
Part of the Furniture 1,000 Posts Name Dropper Photogenic
edited 1 October 2018 at 2:45PM in Debt-free wannabe challenges
NST Penny Pinching GoSober Stoptober Gobstopper

The cosy autumnal season has begun. The blankets and slippers have come out as well as the comforting cups of hot tea at night. But one thing will stay in the cupboard or even better the shops for me and DH – alcohol and cigarettes. I have made a fair few positive changes these last few months (going to the gym regularly again, eating healthy, found that intermittent fasting does me good, taking more me time etc) but those two vices still persist.

Hence, my husband and I decided to do Stoptober (stop smoking) and GoSober October (obvious).

So, there is a challenge for all of you. We unfortunately have rather nasty vices to get rid of but is there anything you could change to the positive or give up for October? Are you eating too much sugar, drinking too much pop, spending too much money in the haberdashery section or using the tumble dryer every day? Pick sth that either effects your health, finances or mental wellbeing. I’m sure most people can find one little thing. It takes at least 21 days to change a habit or form a new one, let’s tick one off in October. Don’t wait till Monday, next week, after half term, the new year. Start NOW.

Otherwise the usual turtle way applies: aim to have some fun along the way, provide the odd inspirational quote, offer help and advice, sympathise when things go wrong and celebrate our successes. Remember No Turtle Gets Left Behind.

Commit to the challenge, follow the rules to the best of your ability. The rules are all tools that will help you on your debt free journey, the more tools you utilise, the more you will save but if you are new, it can take a while to get up to speed with them all. Don't worry.

I have to admit I pinched some of following guidelines from a previous post as they were spot on.

Organise. Start as you mean to go on. Know the contents of your fridge, freezer and cupboards. Plan your meals around them. Cook from scratch. Don't buy anything you can make unless cost /time taken dictates otherwise. If you are new to turtle challenges or still have full cupboards you could try living from the cupboards.

Regular budget items should be set by 1st October. If you don't know how much you are spending on food or petrol, now is the time to find out. Question every purchase - need or want? Have you planned ahead for half term (if appropriate)? Most importantly, Pay To Your Debt Or savings First, Live off What Is Left.

No Spend Days. Aim for 20 (high target) or 15 (low). You will not lose an NSD for petrol included in petrol budget, medical expenses (you don't choose when to be ill but stocking up would be cheaper), yellow sticker purchases only (no additional full price items). For regular activities where fees are paid weekly (children's clubs, window cleaner) you can set aside the money for the month on a spend day and avoid losing a spend day each week.

Special exemption for the turtle who's family drink milk by the bucketload. Any requests for special exemptions will be considered (some turtles manage their money in other ways)

Improvise. Make do and mend with a creative twist. think of a substitute ingredient, how to make an old/broken piece of furniture last a little longer. Looking forward to reading your stories on this one.

Exercise Four times a week at least (20 minutes minimum but can be done 10 minutes at a time). Get outside in daylight as often as possible.

Christmas I know it’s a bit early to mention the C-word as Halloween hasn’t even passed yet (not that the shops mind). I started a gift list and started buying little things on the way to spread the cost and I know a few of you do this over the course of the year. I fyou don’t start now. Even if you don’t buy anything yet start planning to avoid the last minute dash.
You still have time to make presents but may need to buy materials (may be more time for edible gifts). Involve children in making gifts. Encourage them to have a toy clear out and pass on any that are no longer wanted to younger family members or charity (or sell to make a few pennies).

Finally Don't Be A Martyr For Christmas. If the works annual do is a chore (and an expensive one) opt out. Say you aren't going.
Some people have lovely families and love to gather together. Most of us have the odd awkward relative and some would try the patience of a saint. Don't let others take you for granted and don't feel obliged to welcome all and sundry.

If Christmas is a difficult time for you, take time out if you need it, treat yourself kindly .

Banned Takeaways, coffee shops, chippys, pie shops, vending machines, sandwich bars etc. exemption for turtls who budget for this from personal/ social spending or who have nowhere else to meet a friend. Dispensation for support for sick friends.

Extra Income or Extra time for the time poor Overtime, surveys, second jobs, craftsales at Christmas fairs (Bunny tales - and tails - always welcome). Or, get up earlier to have time to organise your day before the rest of the house hold gets in the way. Find time wasting activities, replace them with more efficient one, learn to say NO.

Report in, daily if possible (I know some people have access problems). Sometimes people slink off if they have strayed but you will not feel better until you tell your fellow turtles about it.


THE Challenge will run from 00.00 on 1st October until 00.00 on 31st October.
DEBT 09/23: CC 6347 5120, Other 1763 NSDs 0/20 Planned debt free date: Dec 2024


  • thriftylass
    thriftylass Forumite Posts: 3,981
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 17 October 2018 at 8:55AM
    Participating Turtle warriors

    1. Kerry Woman
    2. greent
    3. sashanut
    4. Lcc86
    5. Coxy11
    6. Misstara
    7. Apple muncher
    8. Crazy_cat_lady
    9. Purpleroses
    10. Nannygladys
    11. WelshKitty85
    12. F0xh0les
    13. Munchin
    14. Thriftylass
    15. Dolly84
    16. Chocolatelover93
    17. GlendaSugarbean
    18. Robi90
    19. Shrewsbury
    20. Laurenh1
    21. Bizzie
    22. shabbychic12
    23. mothernerd
    24. Dilly22
    25. mookiepook
    26. Gometra
    27. I_want_to_be_free
    28. Fmess
    29. TizerCat
    30. SavingGlut
    31. Chandelier
    DEBT 09/23: CC 6347 5120, Other 1763 NSDs 0/20 Planned debt free date: Dec 2024
  • Kerry_Woman
    Kerry_Woman Forumite Posts: 3,131
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Can I join for October please?
    Frugal Living Challenge 2023 Mortgage free as of 1st August 2013
  • greent
    greent Forumite Posts: 10,625
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oooh, I like it, thrifty! :D Count me in, please! :D
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2023: £253.60
  • sashanut
    sashanut Forumite Posts: 3,252
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Hi Thriftylass count me in please for October!!!!
    New start JAN15 - NOT BUYING IT 2015 :eek:. Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE :happyhear
  • lcc86
    lcc86 Forumite Posts: 2,251
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Ooh me please! I did okay in October but need to do better in October. Have been paid today and got some essentials in primarni (and one not so essential bag, oops). Last week I bought a second hand wool coat on fleabay for winter, I like the design but it's HUGE. Can't send it back, so trying to wash it at a high temp to shrink it! Argh!
    Save £4,000 in 2023 - £8,700 as of December
  • misstara
    misstara Forumite Posts: 3,807
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks thifty, please count me in :)
    Debt Dec 2022 - £2972.68. Current debt - £738.48 (75.2% paid). Flat deposit - £8922.05/£15000 (59.5% saved).
  • apple_muncher
    apple_muncher Forumite Posts: 14,465
    Tenth Anniversary 10,000 Posts Mortgage-free Glee! Name Dropper
    Please add me!
    (Fewer bunny tales ahead as 2 of my usual 'earners' aren't running this year)
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • crazy_cat_lady
    crazy_cat_lady Forumite Posts: 7,063
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
  • Coxy11
    Coxy11 Forumite Posts: 4,642
    Part of the Furniture 1,000 Posts Homepage Hero Name Dropper
    I'm in for October please. Can I have number 5 again :D Thank you :)
    Cross-stitch WIP: Durene Jones Haberdashery Shop 365 1p challenge member No.45 Reading: Death on the Riviera by John Bude - Read 23 books in 2023: 29/23
  • apple_muncher
    apple_muncher Forumite Posts: 14,465
    Tenth Anniversary 10,000 Posts Mortgage-free Glee! Name Dropper
    Please tell me that I am not the only one who reads the title as 'NST Penny Pinching Gobstopper'...
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
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