crazy_cat_lady wrote: »
Spend free days (NSD’s) – I'm going for 15. Need to be more mindful of my spending.Make plans for the month – Regulars on here will know that my divorce should be final within the first week of the month, and I fully intend to celebrate that - either with a night out or a luxury takeaway. I also have my sister's birthday in January so need to be available for that. Should actually be a fun January - I also have a couple of days working in London so a paid for break from the norm Always pay your debts first – I wish I knew what my debt total was but that saga rumbles on. However, I want to reduce food spends and start paying off my fridge.List your frogs – Write a list of jobs that you have been putting off doing, no matter how big or small.
I'm already starting on this as it's a big listLittle savings – Even if you’re paying off a lot of debt, you should be aiming to put a little bit of something away as an emergency fund.Chill out – Crochet, just for me.Helping others – I donate to cat charities, plus always buy sanitary towels for our stock at work. Heads of Year at our place regularly need to supply these...Always be grateful – Take time every day to think about and write down three things in life that you are grateful for.New to You – This will be working my way through my yarn stash Get involved –Exercise – I am just going to make sure I do one outdoors 'job' a day - walking to the doctors or popping to the shop if I need milk or something. I'm not an exerciser and I never will be.Sort it out – Lots of weird stuff lurking in cupboards here
RhiBi wrote: »
Can I ask a stupid question? I've seen these threads for a long time but I've never been able to work out what NST stands for!! I know it's going to be obvious when I'm told though :rotfl:
crazy_cat_lady wrote: »
:snow_laug NST Join In January Challenge :snow_grinSpend free days (NSD’s) – If you’re an absolute beginner aim for 10, regular player 15, expert 20. I will aim for 10 NSDs in January.Make plans for the month – Nights out, treats and outings should be planned well in advance, and reduced wherever possible. No popping into coffee shops or takeaways without prior planning – and try to limit yourself to a maximum of three for the month. January is usually a quiet month for us. Only planned outing is with parents-in-law for our belated Christmas night out. This is part of a Christmas gift from them so no cost to us.Always pay your debts first – Set your budget at the beginning of the month and pay particular attention to areas where you’re likely to overspend (food for me). Make sure that you pay to your debts first. Budget is already set - our month starts on 25th as that is OHs pay day so the budget starts from then. We pay to savings first and this is already done.List your frogs – Write a list of jobs that you have been putting off doing, no matter how big or small. If you’ve been meaning to make a phone call, or appointment, put some things away in a cupboard, go through a pile of post etc, then put it onto a list. Aim to cross one thing off the list each day in January and you’ll be amazed how much better you’ll feel as the month goes on. I have some decluttering to finish, a blind to repair, a kitchen chair to paint that's been sitting half done for a while.Little savings – Even if you’re paying off a lot of debt, you should be aiming to put a little bit of something away as an emergency fund. I have decided to do the 1p savings challenge over 2019 with the theory being that on the days I can afford to add a bit more to the pot then I will, and on the days I can’t I should be able to find a penny or 5p piece lying about. I collect loose change as it accumulates throughout the month and bank it when appropriate.Chill out – Whatever helps you to relax, make time for this – even if it’s only 15 minutes a day. Whether this is a hobby like reading, cooking, crochet or doing something for yourself like a long soak in the bath, or a mindfulness meditation. A small amount of time just for you leads to much better mental health. Quiet time away from the TV reading is my choice. In fact I might try a few no TV days in January as I feel it's always on.Helping others – If you can, please consider donating to charity or to your local food bank. A pack of Basics sanitary towels costs 25p and would make a massive difference to a woman who needs them. If you are unable to donate money, then see if you can donate your time and/or expertise to someone who needs it. I will be asking lots for recipe ideas over the month. I have several items to donate to the CS.Always be grateful – Take time every day to think about and write down three things in life that you are grateful for. Will aim to do this each day.New to You – Before splashing out on new clothes, stuff for your house, magazines etc. consider whether or not you can get what you need by swapping with someone or going to a charity shop, using [email protected] or Fakeb00k. For example, I regularly swap books and magazines with my mam, which saves us both money. If you’re anything like me, you might have a stash of stuff somewhere that you’ve forgotten about – clothes, craft kit etc. It’s worth going through this too, and easily as much fun finding things you’ve forgotten about as it is finding something new in a shop. I am trying to reduce my book buying habit so the library will be a new regular feature. Get involved – Try and check in on here every day if you can, just a quick hello can be really motivating to others, and you may pick up some helpful hints and tips from the other Turtles. Will try to comment each day, even if it's just with my gratitude list.Exercise – It’s more important than ever to get outdoors when there are so few daylight hours. If you are an absolute beginner then aim for 10 minutes of walking every day (no matter the weather), if you’re a regular then aim for 1 more session each week than you would usually do. I REALLY need to do this one. I am aiming for at least 30 mins outside every day. Will aim to report progress daily too stay accountable.Sort it out – Your food cupboards and stores. Someone on the Small Things thread made a ‘use it up’ box of foodstuffs, filled with items that were lurking unloved and unused. I encourage you to do the same and aim to use 1 item from the box every time you cook. If you’re not sure what to do with the item then ask on here, and I have no doubt that the Turtles will be here to help. Will do an inventory with OH this afternoon.
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