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NST November 2025: NOWvember

NST November 2025: NOWvember

November involves fairy lights, warm jumpers, umbrellas, snuggly blankets, hot drinks…

The theme for the turtles this November is NOW and has two strands, both of which involve starting by looking at your life as it currently is, in all its glory, as well as warts and all.

Firstly, look at your current life as a NOW – a PRESENT tense event. A PRESENT that is a GIFT. What is going well? What do you have that the you of 10/20/30+ years ago could only dream of? What – and who – do you have in your life that you are grateful for?

Be in the NOW: I recently started to begin my day with sitting in silence, focussing on my breath for 3 minutes as the coffee percolates. 3 minutes is totally doable and starts my day with a win. I also love sitting looking out over the back garden and pondering.

Secondly, look at your current life and acknowledge the PAST that has brought you to you personal NOW. We have all travelled different paths and I am personally so grateful that I came across ninjasavingkat and then the turtles during my own journey. We hear that our pasts have shaped us, which of course they have, but they do not define our NOW nor our FUTURE NOWs.

Looking at your current NOW, scrutinise it and acknowledge what you would like to change/achieve/acquire for your FUTURE NOW. Write it down. Then write down 2 steps you can do to move each change forward this month. Don’t, I repeat very loudly do not, overcommit yourself. As beanielou tells us, babysteps and plodding are good. (I think it’s you, beanie!)

 

NSDs. Aim for 12 this month. But if you need to shop frequently, make sure you keep within your budget instead. You keep an NSD if you only spend on medical needs (including parking), travel expenses (fuel, bus, train), reduced food, utility bills, purchases from charity shops.

Out and about. It is dark. It is cold. It may well be wet and windy. But being outside is still a good thing. Dress appropriately, make sure you can be seen. Go and kick up some leaves, splash in puddles, build a snowperson if you are lucky enough to have the white stuff.

Winner winner, Christmas dinner. There are 55 days to go. What can you do this month to make it the most beautiful time of the year for you? Simplify the food? Reduce the presents? Cut back on expensive outings? Set out your perfect day and do as much of it as you can. We tend to eat scrambled egg for breakfast and steak for lunch – dh does a mean steak, so I get waited on!

Veggies. Get them down yer gullet. In season this month are: beetroot, cabbage, cauliflower, celeriac, chestnuts, kale (yuk!!), leek, pumpkin, potato, parsnip, swede and squash. Cranberries and pears are the seasonal fruits. You know they are good for you, whether fresh or frozen.

Enjoy your NOW. Pause and breathe. Let us know your daily gratitudes.

Make time for things you enjoy and things that benefit you. Make lists for shopping, presents, meals, jobs to do, books to read, places to visit.

Bring your own… lunch to work, snacks when out and about, spare food and drink to keep in the car.

Exercise your mind and your body. Do puzzles, watch quizzes, go on Popmaster (Thrifty!), read books, create, learn. And keep your body moving in the way that is best for you, from Acrobatics to Zumba and everything in between. You could even do an A-Z of activities to kill two birds with one stone!

Remember those that have less than you. Donate if you can. Chat if you can.


The NOW challenge runs for all of November.


Who is with me?

NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
«13

Comments

  • beanielou
    beanielou Posts: 96,777 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks @apple_muncher.  Can I please have no 3.
    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.
  • Esmeralda2662
    Esmeralda2662 Posts: 246 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    Hi @apple_muncher, please could I join NOWvember and have No.19? Thank you! X
  • weenancyinAmerica
    weenancyinAmerica Posts: 2,157 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    I'd love to join you. I need the inspiration.
  • grandmanerd
    grandmanerd Posts: 1,398 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Me please apple - not sure what I can do but as long as I keep doing what I can, I will get there
  • DrCarrie
    DrCarrie Posts: 934 Forumite
    Tenth Anniversary 500 Posts Debt-free and Proud! Photogenic
    I am in for NOW -the present is a gift, treasure it. 

    Lovelly challenge apple. 
    Signiture dated 23/09/2025
    3-month emergency fund (Cash ISA and PBonds): £5,382/ + £1,500 = £6,882 /£7,500 (Target 1)
    Stocks and shares ISA: £2,232.94
    Additional pension contributions £0 (target £450pcm)
    Overpayment on mortgage: 1% at a time (£1,518)
    Big Renno...and appliances. Front of the house, fridge freezer, dishwasher and washing machine)
  • BadBookkeeper
    BadBookkeeper Posts: 836 Forumite
    Eighth Anniversary 500 Posts Debt-free and Proud! Name Dropper
    Can I join please?  Noticing some bad spending habits creeping in,  and money being flittered away, want to pay off a small cc balance (debt neutral as have in savings but didn’t want to use it if I can leave it)! Everything in everyday life needs some of my attention (life admin/family/decluttering /deep cleaning/christmas/socialising/self care etc challenge looks perfect for this to keep me on track! 
    Lightbulb moment - 17/08/2017 £17,033.  Current CC debt £0.00 DFD 31/7/24 🥳. Member #8 of Fiver Friday Challenge £220/£260. NST Nowvember member 🐢 
  • thriftylass
    thriftylass Posts: 4,039 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    @apple_muncher, can I please join. Thank you
    finally tea total but in still in (more) debt (Oct 25 CC £1800, loan £6453, mortgage £59,924/158,000)
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