Nst november in new york

ponypal

I would like to join!

f0xh0les

NSDs - aiming for 20 but I am utterly unprepared for the 'C' word

ORGANISE your time. I bought 2019 diary in September when I started getting kids appts for next year, and finalised school dates.

VALUES - Embrace the YS - I found mulled wine for £1.50 a bottle (vegan and YS) bought 3 bottles, that will do.

ENJOY yourself - loving the gloves and cold nose combination.

MAKE- use of what you have. Tonight's supper is a puff pie made from leftover veg stew from Tuesday. Kale, carrots, peas, corn, roasties.

BUDGETS - will be tight. Waiting to work out daily/monthly interest rates on the mortgage, see the figures getting smaller etc. Will know all the figures tomorrow.

EXERCISE 20 minutes a day. From tomorrow my gym kit will be in the boot of my car, and after dropping the kids, I am going in!

RULES

IN case of emergency - medicine cabinet sorted

NOW is always the right time to start.- back at the gym

NO takeaways, coffee shops, vending machines, canteens unless someone else is paying. - because DH wants me to join him for lunch today (he eats out every day and frequents coffee shops and even a converted milk float that sells coffee)

EVERYONE should know their debt free date - nothing left on cc. Just the mortgage which is being overpaid every month.

WINTER proof your home, I will set the timer for the c/heating this weekend. If I set it to come on for 20 minutes just before the kids get up, then it will take the edge off while they run about the landing in their pants. I am alone at home during the day so I will heat one room if nec. Will set it to come on again at 4.30,- 9.00 Found the draught excluder snakes and they are behind the downstairs doors. .Might string up a curtain in the kitchen over the back door. Have put up two thermal blinds last week.
Oddly, the ground floor is cold, but the top floors are toasty. Heat must rise or something.........
YOU should cook from scratch - I do!
OUTSIDE It may be cold but wrap up warm and get out there. - Will do.
REPORT regularly - Aye aye captain
KINDNESS - we arranged a date to stop letting out kids wear shorts to school - it was 1st November. I kept to it. The shorts will be taking an enforced migration, they will return in Spring. Parents ganging up on the kids!!

crazy_cat_lady

I wonder if it's too early in the day to declare a nsd - but I think I'm going to. I'm reporting in early so that when I get home tonight I can dedicate my time to marking some tests. It's part of the getting organised bit of the challenge. I'm time poor, but just sitting here while my class are doing a test. So I thought I could report in on here now, and spend time later marking the tests. Win -win.
All of my monthly payments have gone out of my account and it's not looking good for the fourth month in a row. Still, I have survived this long and will continue to fight, and get back up every time I'm knocked down. Frugal November coming right up.
Hope everyone else is well.

ponypal

NSDs No spend days. The aim is 29 because I have a work pub quiz which has been planned for ages but I intend to cashflow this by selling stuff on the intranet at work, and missioning it on Prolific Academic and transferring the money to paypal, then to my bank account.

ORGANISE your time. I need to try and get into planning out each day, I have two jobs and one I literally just started so feel a bit overwhelmed at the moment. Hoping NSDs will encourage me to simplify my commitments outside of work.

VALUES Main goal is to put £ towards my house buying fund, I also have a sinking fund for home d!cor and for a pet.

ENJOY I am going to try and socialise with a non-work friend at least once a week while doing no spend days. I’m also going to make more effort to message friends as it is free!

MAKE excited to do some crafts with things I already own and make some meals from scratch

BUDGETS Budget is sorted and I have £40 left to put towards food shopping for perishables which I am not counting as a spend as it's budgeted from pre-November but as we have a tiny fridge freezer which makes life difficult, we can’t actually bulk buy. Looking forward to working my way through the cupboard as much as I can first though.

EXERCISE Going to try and get out in the daylight every single day and get back in the habit of going to the gym because I have stopped since the nights got dark

RULES 29/30 no spend daysSpend no money, if I have to spend money, use income from this month’s efforts

IN case of emergency I am starting November with a cold so just trying to keep warm and have luckily stocked up on supplies and soft tissues.

NOW is always the right time to start. If you were successful in last month's healthy habit challenge, are you going to continue? Have you another new habit to add? If you fell didn't quite make it, start again now. If you start now you will still be 2 months ahead of those making resolutions in the new year.

NO spending! I will leave my wallet at home as much as I can.

EVERYONE I have put extra money in my savings and have a little buffer for my direct debits EXTRA Might have a think what I could pop on ebay

WINTER proof I might see if there’s a way to thicken our curtains/use another layer

YOU. I’m actually so excited to take leftovers into work they taste better than packed lunches in my opinion.

OUTSIDE Going to make sure I go outside every day

REPORT I plan to check in on this forum every day J

KINDNESS is very important, thanks ever so much to whoever put this list of prompts together I am going to print it out at work for inspiration, it has warmed my heart!

thriftylass

ponypal wrote: »

NSDs No spend days. The aim is 29 because I have a work pub quiz which has been planned for ages but I intend to cashflow this by selling stuff on the intranet at work, and missioning it on Prolific Academic and transferring the money to paypal, then to my bank account.

29 :money: is ambitious. I guess you only grocery shop once or twice a month? Any tips and tricks to share? Always curious to reduce our grocery spends but then struggle to keep it down mainly due to fresh produce and need to go weekly.

Saving_Glut

Thank you for the explanation and the info mothernerd. Yes, important not to grab and then discard the ys windfalls!

leimichellecat

Today is a spend day, but that is because I’ve had to pay a fine on university library books (not a good start) and been to the charity shops not near my house. Also bought birthday cards from Tiger (2 for £1) for the next year. Currently sat in my uni canteen with my coffee flask and my youngest asleep in the pushchair waiting for the free bus back. Need to get petrol next, but need to find the Tesco money off voucher... where did I put it?

thriftylass

mothernerd wrote: »

NSDs No spend days. I'll aim for 20


ORGANISE your time. I now got into the habit of getting up at 6am, an hour before the kids and 2 hrs before DH (I used to just get up with the kids). During that time I get a coffee and glass of water in peace, sit down with my diary and plan meals (what to defrost) and the daily to do list & do a few quiet chores like the washing, packing bags etc. This has helped my sanity a lot.


VALUES Starting to get into the mind set better and better.


ENJOY yourself.


MAKE an inventory of the food in your cupboards, fridge and freezer at the start of the month. Plan your meals around what you have, make your shopping list up from the ingredients you need to go with them. Finally got the hang of this much better. Typed up an inventory list where I can tick off what we have, meal plan based on this and only buy what we need. Apart from buying less alcohol this reduced our grocery bill from 100 to 60 a week the last 3 weeks. We never wasted much food but now the cupboards seem fuller despite buying less :cool:?. Must've just eaten more. Also started going to home barg@ins etc for toiletries and other stuff.


BUDGETS should be set before the start of the month - Food, travel, socialising, personal. Consider any birthdays or other events. Reduce last month's budget by 5%. Done and I think I our reduced grocery bill covers those 5% easily this month.


EXERCISE 4 times a week, 20 minutes a day. Many of you have an established exercise programme. If you don't, make a start, do something. Done


NOW is always the right time to start. If you were successful in last month's healthy habit challenge, are you going to continue? Have you another new habit to add? If you fell didn't quite make it, start again now. If you start now you will still be 2 months ahead of those making resolutions in the new year. :T:T Agree, started making a few changes and will build on that


NO takeaways, coffee shops, vending machines, canteens unless for a special event. Try to batch cook my lunches or prep but not season my salads the week before and portion out my snacks (buy almonds etc in bulk, massive tub of greek yogurt, portion out, add frozen fruit etc).


EVERYONE should know their debt free date Christmas :xmastree::santa2:


WINTER proof your home, Done


YOU should cook from scratch when you can (unless time is short or it costs more to make) and batch cook. It is as easy to make a big pan of something as a little pan. Don't buy it if you can make it. Always do apart from pizza Friday

My November plan

ponypal

thriftylass wrote: »

29 :money: is ambitious. I guess you only grocery shop once or twice a month? Any tips and tricks to share? Always curious to reduce our grocery spends but then struggle to keep it down mainly due to fresh produce and need to go weekly.

As we have a very small fridge freezer, I imagine we will need to do one other shop, but we did a big shop right at the end of November! I'm vegan and drink UHT soy milk so that helps not having to keep popping to the shops. I am essentially trying to do no spend November, except for the one day with the plan :think:

thriftylass

ponypal wrote: »

As we have a very small fridge freezer, I imagine we will need to do one other shop, but we did a big shop right at the end of November! I'm vegan and drink UHT soy milk so that helps not having to keep popping to the shops. I am essentially trying to do no spend November, except for the one day with the plan :think:

I maybe start looking into buying more tins (pulses) or dried goods rather than fresh fruit and veg as that's my limiting factor although I try to buy more frozen nowadays as a backup.

I see another challenge coming up for me to try and stretch a weekly shop to two weeks by tweaking what we buy based on storability once I got the hang of the new reduced weekly grocery budget.