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NST: November 2019

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Comments

  • Thanks for the November cahllenge and being such good company all - I've managed to acheive most of my targets....and got nearly all my tasks done I had planned , plus a couple of extra. Only managed 12 NSDs but a lot of that was to do with spreading the cost of xmas so I'll take that! I'm not sure if I'll join in for December as I don't think I'm going to have much time to spend on my PC lol. Hope everyone has a great festive season :D
    Changing my Family's Future!! - Starting again!!!!
    Current Progress -
    Debt - Start date 14/4/25 = £14,880.45
    Savings Goal = £1000 EF - £0/£1000 = 0%
  • delta13
    delta13 Posts: 322 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    #25
    End of the month update

    Budget - Stuck to my budget with £40 to spare! That money will go towards Christmas spends.
    NSDs - I reached 14/15 - had to buy a phone today because mine is no longer usable, so one behind target. Quite a few of my spend days were under £5 so it wasn't like I was splurging the other 16 days - very happy with that.
    Paid money into my savings and paid my credit card bill off early: I've been rounding down my balance to the nearest pound each day and potting the change in a pingit jar for extra savings
    Make do/ Mend/ Do without - fixed my favourite cereal bowl! Did not manage to get stain out of favourite item of clothing so it will have to be scrapped :(
    Avoid every chain coffee shop and vending machine and corner shop - don't drink coffees so that was easy enough for me. I went to a few corner shops rather than the supermarket for essentials on spend days - trying to support small local businesses rather than the supermarket cashcows where possible.
    lunch to work - Haven't been as strict as I could be with this, but I managed to do 14/21 working days - that's two thirds.
    remove 60 items from your house (2 per day) – I've got a bag of things to take to the charity shop this afternoon - once that's gone I will be have got rid of over 80 items. :A
    use up your toiletries and household cleaners before buying any more - made it!
    2 outings - Only paid for one which was a trip to see my parents and sisters.
    tread lightly - been walking to and from work every day, apart from yesterday when I got a lift home. Apart from when I've needed a train, I've walked pretty much everywhere this month.
    donate £5 or time to a charity you support - DONE :A
    come on here every day and post three things you are grateful for - I missed out a few days but it's been good for reflection. It's made me realise that I actually really love my job at the moment (despite some stressful days!) - helps put things in perspective :)
    Today I'm thankful for - a slight lie-in; the flat to myself for the weekend; the curry I'm going to have this evening.
    Reach out to help other people - this is a big part of my job role, but I have also reached out to BiL for Xmas plans and to see how he's doing, some strangers in the street who needed help, seen a few friends and had them come over for dinner, spoke to my siblings who live away.
    1 or 2 new habits - fizzy drinks - did half the month but could have been better.
    Save £12k in 2022 = £3705.97/ £7,500 (49%)
    Save £12k in 2021 #76 = £11,857.21/ £10,000 (118%)


  • Thanks so much for Yesvember Apple - it's been fantastic, and I have loved seeing such a busy thread all month.
    Not finished the month flying high with a nsd - took ds to celebrate his best friend's birthday so spent on that... his bestie is my bestie's son so I had coffee's and food etc. It's been lovely to catch up after so long - I haven't seen her for weeks.
    Home now and I've got washing on and have mopped the floor. I'm hunkering down now as it's so cold here - heating on and blankets to snuggle under for the rest of the night.
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Argh "avoiding the chains" - normally, I have nothing whatsoever to do with chains. But I was coming home from 12 days catsitting, which means I've been running about since 7am clearing up (its a freebie for family) so standing at Clapham Junction at midday, **starving** - at the stage where I was shaking with low blood sugar. Vegetarian pasty from the pasty shop - £4!!! Astonishing! It had to be done, though.
    2023: the year I get to buy a car
  • apple_muncher
    apple_muncher Posts: 15,246 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Thank you one and all for staying with me throughout YESvember. :D


    It's been a month of lots of charity giving. Also lots of seeing family. Our health has improved from totally lurgified to nearly normal. 17 nsds. Some cmas prep done. And a healthy bank account at the end of it.





    See you in December!
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • misstara
    misstara Posts: 3,997 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thank you apple for a great November challenge :D
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • ditty1234
    ditty1234 Posts: 2,123 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Apple muncher thanks for Yes-vember it's been fun and I have it's has been revealing to me how little I focus on decluttering. And I am impressed with what other people get done.
    Finally paid into my ds Movember challenge yesterday - I gave 12 and a few friends joined in and got his challenge over 50%.
    I am grateful for frozen fog, afternoon run, the spicy scents of allspice for a Lebanese lamb dish last night and for scent of gingerbread spices from my grandmothers recipe - started dough last night.
    Isa help to buy: 1000/3000 33%
    Emergency fund: 100/1000 10%
    Weight loose 8.6 kg - while having fun. 0/8.6 0%
    Focus debt to clear HSBC £10/1111, 0% updated May 25
  • borollan
    borollan Posts: 209 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Thank you for letting me play
    It's been an eye opener and my home looks better for the declutter
    Stop Buying **** We Don't Need :D
  • lcc86
    lcc86 Posts: 2,466 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    Checking in late to say thanks apple for running the challenge. I did appallingly badly in November and really messed up my budgets so aiming to do better in December!
  • f0xh0les
    f0xh0les Posts: 7,630 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Don't forget to find us in December!

    :xmastree::santa2::xmastree::santa2::xmastree:



    For plenty of fun and festive frolicking.


    https://forums.moneysavingexpert.com/discussion/6076490/nst-december-festive-fun
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
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