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NST: November 2019

edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
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apple_muncherapple_muncher Forumite
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edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
NST: November 2019

Ninja Saving Turtles: YESvember


It is not NOvember, it is YESvember :D

It is the last month of autumn, but the beginning of a new adventure. It is time to take risks and to do the unexpected. We look towards our own adventures, not being side-tracked by what others may (or may not) think of us. We are simplifying our lives so that we can fly freely. (Now there’s a thought: flying turtles…)

It is a month when we are bombarded by advertising that tells us that we need to continuously spend more and more, to acquire more and more, in order to be better people. DO NOT BELIEVE THE LIES. Work out what you truly need and learn to separate your needs from your wants.

November is often the time when we want to hunker down, treat ourselves, reward ourselves, eat comfort food... But not the Turtles! We are here to bust our debts, hit our targets, reach out to others, and support each other all the time.

Breathe deep and reflect. What really matters? What brings you joy? Now take a few minutes, and without editing, write down everything that matters in your life. Write fast. List everything. Review your list tomorrow morning.


YESvember rules: (But remember – only YOU are in charge of YOU)

Yes:

-the challenge runs from 1st to 30th November 2019.

-set your budgets for everything by planning ahead. Look at what the month ahead holds – appointments, meeting, kids’ activities, (ir)regular events. And start to plan what you will need for Cmas. And then simplify it: reduce the amount and variety of food you get in; reduce the amount of presents you ‘have’ to give; reduce the amount you spend on presents.

-pay to your debt or savings first. You will then live off the rest, as per your budget. You will not wait and see how much is left at the end. Make do, mend, or do without.

-achieve at least 15 NSD – that means you can spend on alternate days (generous, huh?). An NSD will NOT be spoiled by purchasing Yellow Sticker / reduced items only, or medication, fuel or paying for regular children’s activities (when planned in advance and the monies put aside in an envelope).

-avoid any and every chain coffee shop and vending machine and corner shop. Support your local coffee shops and traders.

-take your lunch to work every single working day. Plan and cook a larger evening meal so you have leftovers to take with you.

-remove 60 items from your house (2 per day) – recycle them, give them to charity, pass on to a friend… Sorry but you cannot remove children…

-use up your toiletries and household cleaners before buying any more.

-go on 2 outings. Yep, just 2. Choose wisely. Or go on one and save one to carry over for December..

-tread lightly on our planet and get out there and enjoy fresh air every day: breathe it in slowly and deeply and energise your body.

-donate £5 or time to a charity you support. Foodbanks are especially in need at this time of year. Look at http://www.trusselltrust.org/

-come on here every day and post three things you are grateful for. Don’t wait until the 4th Thursday in November to give thanks. Make every day a Thanksgiving day.

-reach out to help other people. Don't try to CHANGE people, just LOVE them. LOVE is what changes people.

-start 1 or 2 new habits this month, ones that are simple and will make you feel better (eg: drink a glass of water on waking, practise meditation…)

Who is with me? Post your reply below and we'll start our adventure on Friday.
NST July jouster #1; NSD ; Ex ; bagfuls 2 (53)

Mortgage £500? ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
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Replies

  • edited 8 November 2019 at 7:48AM
    apple_muncherapple_muncher Forumite
    10.6K posts
    10,000 Posts Sixth Anniversary Name Dropper I've been Money Tipped!
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    edited 8 November 2019 at 7:48AM
    YESvember turtles:


    1 applemuncher
    2 misstara to run December:xmastree:
    3 Calling14
    4 Toni'sfriend
    5 crazy_cat_lady
    6 Happy Monay
    7 facethemusic
    8 ditty1234
    9 dolly84
    10 doingitanyway
    11 lcc86
    12 indigowarrior
    13 mothernerd
    14 shabbychic12
    15 abundant1972
    16 XSpender
    17 nannygladys
    18 greent
    19 sashanut
    20 aimeemum
    21 SDD23
    22 thriftylass
    23 f0xh0les
    24 Betharooni
    25 delta13
    26 borollan
    27 PhoeniX
    28 SpekySquarehead
    29 bizzie
    30 Karmaca
    31 Katinkka
    NST July jouster #1; NSD ; Ex ; bagfuls 2 (53)

    Mortgage £500? ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
  • Calling14Calling14 Forumite
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    Part of the Furniture 1,000 Posts Photogenic
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    Me I forgot to join last months turtles adventure I have missed the turtle talk.:D


    I start November with a big grin on my face now Mortgage free, just 2 credit cards left:D
    LBM 13039 1.1.13 Now £180

    [/COLOR][/COLOR]PAYDBX 2020 #16 £2270/£2600 EFund #9 £60/£1,000
    Mortgage free Oct 2019:)


  • Toni'sfriendToni'sfriend Forumite
    2.7K posts
    1,000 Posts Third Anniversary
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    I was away for most of October and have so missed my challenge. Count me in for November.
    Have adventures. laugh a lot and always be kind.
  • crazy_cat_ladycrazy_cat_lady Forumite
    6.6K posts
    1,000 Posts Fourth Anniversary Photogenic Debt-free and Proud!
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    Me please apple - I need a large kick up the backside.
    NST Just June
    Pay all your debt off by 2020 #56 £4664.23/£10000 :scream:
    1% challenge #14 (£26.25) = 20.2%
  • Happy_MondayHappy_Monday Forumite
    275 posts
    100 Posts
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    Hi everyone

    I'm a newbie, and would love to join in if that's alright? I've been reading through the October thread and lots of what has been posted has really resonated with me - I especially loved the quotes from Abraham Hicks about being happy - I have printed this to read every day!

    At the moment I'm living a frugal month, and have a limited number of funds to take me through to next pay day. It really does focus the mind and helps with the wants v needs.......

    Be great to join in and help motivate each other x
  • facethemusicfacethemusic Forumite
    110 posts
    Fourth Anniversary 100 Posts
    I've lurked for a long time but never posted. However in October money seemed to disappear and I need to focus to stay on track, so joining in seems like a good idea. Not sure how I'll get on, but posting to keep track of NSDs will hopefully help. I also need to do some serious decluttering so 2 a day should be very possible. Count me in and wish me luck ��
  • ditty1234ditty1234 Forumite
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    Hi I'm in for November, as I very much need to be (my better) ME this month. I will try to do all of the things on the list, but don't know if I will be bale to remember all of them. And let me see if I can have 15 NSD days, I think I had 4 this past month, so that will take some planning and restraint.
    The 60 items is perfect - I've got loads of bits to pass on.
    LBM Jan 2019 - £25.928/-£23.683 8.6% paid off - On hold, EF 2020 - July £1300/1000
    Housing fund 2020-2022 £205/6000 : Citizenship £345/£1770 : Weight -4/12 kg
    Run 10 k in 1 hour 10 min : £10 a day July £0/190, August £0/310 September £0/300
  • dolly84dolly84 Forumite
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    Count me in apple. Thanks for the new challenge.
    Debt Free and now a saver, conscious consumer, low waste lifestyler


    Fashion on the Ration 18/66
  • doingitanywaydoingitanyway Forumite
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    Ninth Anniversary 1,000 Posts Name Dropper Mortgage-free Glee!
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    I would like to join the new challenge please.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.
  • apple_muncherapple_muncher Forumite
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    10,000 Posts Sixth Anniversary Name Dropper I've been Money Tipped!
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    Calling14 wrote: »
    Me I forgot to join last months turtles adventure I have missed the turtle talk.:D


    I start November with a big grin on my face now Mortgage free, just 2 credit cards left:D


    Awesome news! Well done :T:T:T
    NST July jouster #1; NSD ; Ex ; bagfuls 2 (53)

    Mortgage £500? ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
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