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NST December 2023 The Most Wonderful Time Of the Year?
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grandmanerd
Posts: 1,321 Forumite

NST December 2023 The Most Wonderful Time Of the Year?
Welcome to the final NST challenge of 2023. The Ninja Saving Turtles get together each month to fight debt or build up savings (for things like new roofs which had to wait whilst we were getting out of debt). We use a variety of techniques (it can be bewildering sometimes). We always support each other, celebrate any wins and commiserate when bad things happen.
So Christmas (Winter Solstice/ Yule, Diwali/ Hanukkah as appropriate) places extra demands on us - gifting, visitors or visiting, food, multiple charities and good causes asking for our money., school discos, Church fairs but we need to manage these or at least have a plan to get back on track afterwards (if a close relative is in hospital and may not live, you spend whatever you need to and work it out later)
The Christmas Myth
Most elements of the 'Christian Festival' were stolen wholesale from earlier religions, it's always been commercial and the snowy Dickensian scenes were caused by the eruption of Krakatoa.
The biggest lie of all is the Adverts. Life isn't like that,. Awkward, rude and ungrateful or downright nasty relatives aren't going to change so limit your exposure. For anyone who is already under pressure - poor, cold, hungry, lonely, sick or dying, homeless - Christmas increases the pressure. Suicide and divorce rates go up, some people will lose a loved one and for others it's the anniversary of the loss. So be aware and be kind and if it's you, feel free to take time out if everything gets too much (please seek help if you need it)
Well that's the cynical and grumpy bit out of the way, here is
The Challenge
T The Challenge runs throughout December from the 1st to 31st
H Help - you should not take on all the responsibility. Ask for help, give clear requests, say please and thank you
E Empathy - be kind, be sensitive, do what you can (requests for winter clothes, food, household goods, specific needs of disaster zones)
M Magic - make it for your children, experience it yourself
O Outings and Events need to be budgeted for. If a visit to the Panto is part of your festivities work out how to afford it - local community group offering rather than the Opera House. Decline work's do's unless they're compulsory or you enjoy them (might be for next year now). Don't drink if you don't like it or are on medication
S Spend Free Days -aim for 15, you should get some in the last week of the year (if you're clever you'll have enough 'leftovers' to see you through January
T Tackle DEBT or build SAVINGS as a priority. Live on what is left
W Work. Take your own lunch from home and avoid vending machines, chain coffee shops (unless this a budget place for a gift handover or support for a friend in need)
O Only buy food that you and your family love (exceptions allowed for elderly visitors who love sprouts/ Christmas pud/ bread sauce).
N This month is NOT just about Christmas. Keep feasting to special days and stick to healthy eating the rest of the time
D Donate £10 to a food bank or homeless charity. Other donations to causes you normally support (a good place for cards or presents too, many have ethical standards)
E Exercise according to your ability. Walking and being outside are good for MH too
R Reading, music and candles are my essentials - build in 'me time'
F FOOD plan ahead, reduce food waste, parsnips and other veg can be prepped and frozen, cakes can be baked and frozen until it's time to decorate (handy for school/ Church fairs/ bulk catering). Get out of Jail Free - I think it's perfectly acceptable to 'cheat' - You do not need to make everything from scratch, in some cases it would be more expensive to do so.
U You need to set all budgets before the start of the month and stick to them. Food, travel, entertainment (don't forget school holidays), personal spending.
L Look at where you can cut back and make notes for next year
T Traditions - start your own (fun and no or low cost). Walk around looking at the lights
I Illness - self-inflicted, the usual bugs, exhaustion. Time to restock the medicine cabinet with common remedies and supplies for bike/ skateboard and climbing injuries. Note emergency chemist rota and a number for social services
M Plan for the whole MONTH and think about next year too
E Even the smallest children can handle some tasks - let them
O One good deed is all that I require. Do more if it makes you feel good
F Five achievements done during the year, even if it's only surviving
T Think ahead -it always saves time and money.
H Habits continue or review those you started last month, add an extra one
E Everyone has leftovers - use them wisely
Y You can CHOOSE what type of Christmas you have. Decide, make a plan
E Everyone deserves love
A Always practice gratitude
R Refurbished An addition to our 5 'Rs'. Continue to reduce the clutter
Welcome to the final NST challenge of 2023. The Ninja Saving Turtles get together each month to fight debt or build up savings (for things like new roofs which had to wait whilst we were getting out of debt). We use a variety of techniques (it can be bewildering sometimes). We always support each other, celebrate any wins and commiserate when bad things happen.
So Christmas (Winter Solstice/ Yule, Diwali/ Hanukkah as appropriate) places extra demands on us - gifting, visitors or visiting, food, multiple charities and good causes asking for our money., school discos, Church fairs but we need to manage these or at least have a plan to get back on track afterwards (if a close relative is in hospital and may not live, you spend whatever you need to and work it out later)
The Christmas Myth
Most elements of the 'Christian Festival' were stolen wholesale from earlier religions, it's always been commercial and the snowy Dickensian scenes were caused by the eruption of Krakatoa.
The biggest lie of all is the Adverts. Life isn't like that,. Awkward, rude and ungrateful or downright nasty relatives aren't going to change so limit your exposure. For anyone who is already under pressure - poor, cold, hungry, lonely, sick or dying, homeless - Christmas increases the pressure. Suicide and divorce rates go up, some people will lose a loved one and for others it's the anniversary of the loss. So be aware and be kind and if it's you, feel free to take time out if everything gets too much (please seek help if you need it)
Well that's the cynical and grumpy bit out of the way, here is
The Challenge
T The Challenge runs throughout December from the 1st to 31st
H Help - you should not take on all the responsibility. Ask for help, give clear requests, say please and thank you
E Empathy - be kind, be sensitive, do what you can (requests for winter clothes, food, household goods, specific needs of disaster zones)
M Magic - make it for your children, experience it yourself
O Outings and Events need to be budgeted for. If a visit to the Panto is part of your festivities work out how to afford it - local community group offering rather than the Opera House. Decline work's do's unless they're compulsory or you enjoy them (might be for next year now). Don't drink if you don't like it or are on medication
S Spend Free Days -aim for 15, you should get some in the last week of the year (if you're clever you'll have enough 'leftovers' to see you through January
T Tackle DEBT or build SAVINGS as a priority. Live on what is left
W Work. Take your own lunch from home and avoid vending machines, chain coffee shops (unless this a budget place for a gift handover or support for a friend in need)
O Only buy food that you and your family love (exceptions allowed for elderly visitors who love sprouts/ Christmas pud/ bread sauce).
N This month is NOT just about Christmas. Keep feasting to special days and stick to healthy eating the rest of the time
D Donate £10 to a food bank or homeless charity. Other donations to causes you normally support (a good place for cards or presents too, many have ethical standards)
E Exercise according to your ability. Walking and being outside are good for MH too
R Reading, music and candles are my essentials - build in 'me time'
F FOOD plan ahead, reduce food waste, parsnips and other veg can be prepped and frozen, cakes can be baked and frozen until it's time to decorate (handy for school/ Church fairs/ bulk catering). Get out of Jail Free - I think it's perfectly acceptable to 'cheat' - You do not need to make everything from scratch, in some cases it would be more expensive to do so.
U You need to set all budgets before the start of the month and stick to them. Food, travel, entertainment (don't forget school holidays), personal spending.
L Look at where you can cut back and make notes for next year
T Traditions - start your own (fun and no or low cost). Walk around looking at the lights
I Illness - self-inflicted, the usual bugs, exhaustion. Time to restock the medicine cabinet with common remedies and supplies for bike/ skateboard and climbing injuries. Note emergency chemist rota and a number for social services
M Plan for the whole MONTH and think about next year too
E Even the smallest children can handle some tasks - let them
O One good deed is all that I require. Do more if it makes you feel good
F Five achievements done during the year, even if it's only surviving
T Think ahead -it always saves time and money.
H Habits continue or review those you started last month, add an extra one
E Everyone has leftovers - use them wisely
Y You can CHOOSE what type of Christmas you have. Decide, make a plan
E Everyone deserves love
A Always practice gratitude
R Refurbished An addition to our 5 'Rs'. Continue to reduce the clutter
13
Comments
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Thank you @grandmanerd for the lovely shiny new thread.I know I don’t always post but it always read along & it’s good to know that not everyone has the type of life portrayed by social media.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.8 -
Me please, Grandmanerd. We're away for the first two weeks, then my birthday, hospital thing
, Christmas. New Year. But I'll do my best. xxx
Have adventures. laugh a lot and always be kind.8 -
Count me in, I may not get to post every day as am a bit overwhelmed with work but I'll do my best to check in and stay on track!9
-
Me too, please!I'll be wearing my elf jumper several times, excellent value for an item I bought yeaaaaars ago for £2!NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!8
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Can I join, please, @grandmanerd? Thank you for starting the Christmas ball rolling with some inspirational pointers! X
6 -
Reserved for Contenders
1 grandmanerd
2 beanielou
3 Toni'sfriend
4 Icc86
5 applemuncher
6 Esmerelda2662
7 KajiKita
8 leftatthetrafficlights
9 ladybird1106
10 abundant
11 Betharooni
12 DawnW
13 ditty1234
14 Idee2111
15 weenancyinAmerica
16 Mliz
17 laura-lau
18 Thrifty-Taylor
19 wishus4 -
Cracking opening post @grandmanerd 😊 A lot of that really resonated.I’m just hoping to get through to Christmas in one piece - massive pressure in work atm and I have a week out to go to Eindhoven for work.
I might not say a lot here but always appreciate the thought provoking posts 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.7 -
I'm in again please! Haven't posted much in November due to feeling poop for the past few weeks but I've read along and found the thread really helpful 😁DNF: £708.92/£1000
JSF: £708.58/£1000
Winter season grocery budget: £600.85/£900
Weight loss challenge 2024: 11/24lbs
1st quarter start:9st 13.1lb
2nd quarter start:9st 9.2 lb
3rd quarter start: 9st 6.8 lb
4th quarter start: 9st 10.2 lb
End weight: 8st 13lb
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'7 -
Hi, I'd like to join to please as hoping to curb spending as we have a big essential spend coming up that will wipe out our EF in 3 months time.
Love 🐞
Grow your own: £14.667 -
Morning all!
Thank you for our Christmas Challenges grandmanerd - sign me up please!!!
🎄🎅🏻🤶🏻⭐ DEBT FREE : 18/02/2025 ⭐
Follow your heart & be true to yourself always
My life is full of abundance and prosperity
NST April: Food/Spends = £240.00/£60.00 NSD = 7 /12
Be kind - Eat well - Exercise - Be mindful6
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