NST: November 2019

apple_muncher

crazy_cat_lady wrote: »

Me please apple - I need a large kick up the backside.

Not gonna give you a kick. Just an unlimited supply of hugs and cheering on. And a load of comfy cushions and fluffy blankets on this month's naughty chaise longue...! Just in case...

apple_muncher

facethemusic wrote: »

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 ��

Wow! We are honoured to be your first post e v e r Since 2015?!


And Happy too - good to have you join our gang.

apple_muncher

Ditty - don't worry about trying to remember it all. But do return to post #1 every so often, to remind yourself. Glad you decided to join us.

lcc86

Count me in please, have been extremely naughty in October and bought clothes that I didn't necessarily need and also booked a holiday that now needs paying for! Definitely forgot how to differentiate between wants and needs! Had a vet bill today, most should be covered under the insurance but still, I need to get back on the wagon in November. Not sure what I can declutter as I had a huge declutter earlier this year but I'll see what I can do. I have about £700 on my credit card so I need to get work towards reducing it ASAP.

indigowarrior

Please add me to the group! I need to get back on track. I am going away for two days at the end of November. Can I also have therapy as an exempt expense please.

mothernerd

Oh apple, it's lovely. Please sign me up

shabbychic12

Still here x please add me to November. Life has got in the way but still trying.

facethemusic

So I've started the decluttering early- 3 things (including a tent I've been storing on its way somewhere else) out of the house tonight. Has cleared a space in the hallway. Have written out all the must be paid bits for next month, so have an idea of spending budgets for the month.
And yes my first ever posts. I read a lot of diaries when I first joined, used them as inspiration to clear a lot of debt, stopped reading for a bit, but am now trying to balance clearing the last bits of debt (all on a 0%cc) and saving for a house deposit. I think in the last few months I've dropped the ball a bit as I've had money leftover at the end of the month!

apple_muncher

Indigo - yep, therapy is exempt. It is a medical necessity. You can even borrow the naughty chaise longue and lounge on it for it.

abundant1972

Thanks again Apple - count me in. I'm looking forward to busting some more debt and getting back on track.