NST: Standing Firm in November

edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
706 replies 36.4K views
apple_muncherapple_muncher Forumite
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edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
NST: Standing Firm in November
Dedicate yourself and be ruthless for the next 30 days.
Work out what you truly need and learn to separate your needs from your wants.
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.

  • Live and lead by example.
  • Be proud of the changes you are making and what you are trying to accomplish.
  • Create your code and live by it.
  • Stand up for what you believe in. You will attract the right people and repel the negative. Find the right people for your life and don't be afraid to let go of negativity.


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.



November rules: (But remember – only YOU are in charge of YOU)
  • The challenge runs from 1st to 30th November 2015.
  • You will set your budgets for everything by planning ahead. You will then reduce your food budget by £10. Eat simply. Get your veggies in you.
  • You will 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.
  • You will achieve at least 15 NSD – that means you can spend on alternate days (generous, huh?). An NSD will NOT be spoiled by purchasing Yellow Sticker products only, or medication, fuel or paying for regular children’s activities (when planned in advance and the monies put aside in an envelope).
  • You will not go to any chain coffee shops or use vending machines or corner shops.
  • You will take your lunch to work every single day.
  • You will remove 80 items from your house – recycle them, give them to charity…
  • You will use up your toiletries and household cleaners before buying any more.
  • You will hone and tone your food cupboards by meal planning and batch cooking. (Even doing enough for one extra meal counts)
  • You will go on 2 outings. Choose wisely.
  • You will tread lightly on our planet – get out there and enjoy fresh air every day: breathe it in slowly and deeply and energise your body.
  • You will donate £5 or time to a charity you support. Foodbanks are often in need at this time of year. Look at http://www.trusselltrust.org/
  • You will come on here every day and post three things you are grateful for.
  • You will reach out to help other people.
  • The hardcore among you will aim to make £80.
  • You will also START 3 new habits this month, ones that are simple and will make you feel better (eg: drink a glass of water on waking)


Who is with me?


NST July; NSD 14; Ex 17

Mortgage £300 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
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Replies

  • edited 10 November 2015 at 11:46PM
    apple_muncherapple_muncher Forumite
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    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
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    edited 10 November 2015 at 11:46PM
    November contenders:

    1 apple muncher
    2 dolly84
    3 littleskintdragon
    4 chocolatelover93
    5 mothernerd
    6 andrar
    7 Calling14
    8 Stewby
    9 WelshKitty85
    10 Fmess
    11 misstara (leading the Dec challenge)
    12 traveller
    13 crazy_cat_lady
    14 thriftylass
    15 Munchin
    16 The Only Girl
    17 tee113
    18 rawdinosaur
    19 Jenner
    20 academiablues
    21 luckystarr
    22 Justforme
    23 gien
    24 Bobarella
    25 JoR
    26 short_bird
    27 Dincanada
    28 ani*fan
    29 498louise
    30 black cat
    31 dizzyblnd
    32 juliejim
    33 Synonymous
    34 Missdaniil
    35 Bipex
    36 Samiszel
    37 GSRcat
    38 Siouxsie32
    39 chairing555
    NST July; NSD 14; Ex 17

    Mortgage £300 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
  • edited 28 October 2015 at 4:08PM
    thriftylassthriftylass Forumite
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    edited 28 October 2015 at 4:08PM
    Thank you apple muncher

    Count me in please. Can I have number 14 for good luck please?

    Love the declutter 80 items and make 80quid.
    NST September
    NSD 6/20 NDD 7/22 spends £180/500
    Exercise 5/22
    CC Debt £1013 £700
    DFD 12/21 Mortgage 109343 (04/17) 92300 (11/19) 80779 (08/21)
  • dolly84dolly84 Forumite
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    Thanks apple. Will have a proper read of the rules on the 1st but count me in.
    Debt Free and now a saver, conscious consumer, low waste lifestyler


    Fashion on the Ration 28/66
  • Me! i'm in again, gread thread thank you :)
    Ive just listed 3 items on eb4y which will finish in Nov, so in theory ive started already :)
    Still here..... but working on that!
  • chocolatelover93chocolatelover93 Forumite
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    I would love to join, however I'm going on holiday the first week in November so will be really hard to stick to the rules!
    Will keep track this month and join next month though as I think this is a really good idea :D xx
    Read my diaryHere :)
  • mothernerdmothernerd Forumite
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    Me please apple muncher.
    My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.
    NST SEP No 1 No Debt No mortgage
  • andrarandrar Forumite
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    Count me in!

    My budgets are already set and I will take a tenner off food right now! Meal planning each week will help with my work lunches. I may struggle with the 80 charity/recycling items as I gave away about this much for last months challenge in clothes - does stuff for my recycling bin count?! One of my two outings will be afternoon tea (deposit paid) the other will most likely be rugby related. I'll try and do a lunchtime walk each day at work, I work in some amazing places so I should really be doing this anyway. Charity £5 is done from my payslip to Macmillan so tick to that one. I've just signed up for time bank in my area so hopefully this will be up and running. I'll try and help someone each day too. No idea how to make £80?! And will have a think about 3 new habits...

    I really love the idea of posting what we're grateful for, it will deffos make me think. 15 NSDs here we come!
  • apple_muncherapple_muncher Forumite
    12.2K Posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
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    I would love to join, however I'm going on holiday the first week in November so will be really hard to stick to the rules!
    Will keep track this month and join next month though as I think this is a really good idea :D xx


    You're in anyway! Love the name :D.

    Just stick to your budget when on holiday - you do have one, right??! - and cut the targets by 1/4 for the rest of the month.
    NST July; NSD 14; Ex 17

    Mortgage £300 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
  • Calling14Calling14 Forumite
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    I am in. Going to try my hardest next month. Away next week one night but hotel and gig/train ticket paid for.


    Thanks for running this challenge at short notice apple.
    LBM 13039 1.1.13 Now £0 Finally Debt Free
    Mortgage free Oct 2019:)
    EFund/savings £18051 11/8/21
  • chocolatelover93chocolatelover93 Forumite
    1K Posts
    Seventh Anniversary Combo Breaker
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    You're in anyway! Love the name :D.

    Just stick to your budget when on holiday - you do have one, right??! - and cut the targets by 1/4 for the rest of the month.

    Thank you :D
    Didn't think of doing that!! Better get my thinking cap on :D
    Yeah I do :D we have 400EUR but all IC and have a holiday next year in Austria so whatever is left over will be saved for then :)
    Read my diaryHere :)
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