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NST November 2021: Turtle Strength

NST November 2021: Turtle Strength

Welcome to November. We are the Ninja Saving Turtles and we set ourselves monthly challenges that stretch us and engage us and keep us moving forwards. Or sometimes sideways. Or round in circles. But never backwards because we are constantly learning about ourselves.

What do you want from November? Is it just a stop-gap month when you try desperately to get ahead for THAT DAY in December? Well, not no more it ain’t! It is a month all of its own with its own demands and character. Another fresh start.

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?

The challenge runs from 1st to 30th November 2021. Apologies now for re-hashing one from a couple of years ago. I have no spare brain cells to create a new one, and this one called to me!

-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.

-aim for 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, or travel 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, 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 items or time to a charity you support. Foodbanks are especially in need at this time of year. Look at

-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…)

October was not a good month in the apple household, in many ways. And I did not keep up with my own October challenge. Oops. But I won’t let that define me. Life happens. S*** happens. So the following is totally applicable to me: ‘Stay strong and true to yourself one day at a time, no matter what happens, no matter what anyone else says, no matter how they act. Everything ends at some point. Good times AND bad. So persevere through the hard times knowing they will be over and you will get through them, and be present to enjoy the good times with as much gratitude as possible. Control what you can (your behaviours and thoughts), cope with what you can't (the behaviours of others), command your morning, conquer the chaos, and concentrate on what counts. Never give up on what is right for YOU.’


Who is with me?



NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!


  • apple_muncher
    apple_muncher Forumite Posts: 14,326
    Ninth Anniversary 10,000 Posts Mortgage-free Glee! Name Dropper
    edited 2 November 2021 at 7:50AM
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    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
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