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  • FIRST POST
    • apple muncher
    • By apple muncher 29th Oct 19, 11:45 AM
    • 9,571Posts
    • 73,559Thanks
    apple muncher
    NST: November 2019
    • #1
    • 29th Oct 19, 11:45 AM
    NST: November 2019 29th Oct 19 at 11:45 AM
    NST: November 2019

    Ninja Saving Turtles: YESvember


    It is not NOvember, it is YESvember

    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? Now take a few minutes, and without editing, write down everything that matters in your life. Write fast. List everything. Review your list tomorrow morning.


    YESvember rules: (But remember – only YOU are in charge of YOU)

    Yes:

    -the challenge runs from 1st to 30th November 2019.

    -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.

    -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 / reduced items only, or medication, fuel 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, just 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 time to a charity you support. Foodbanks are especially in need at this time of year. Look at http://www.trusselltrust.org/

    -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…)

    Who is with me? Post your reply below and we'll start our adventure on Friday.
    NST Dec fun #1; NSD 6/15; Ex 6/21; remove bagfuls 2 (47)

    Mortgage £15,451 (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???
Page 1
    • apple muncher
    • By apple muncher 29th Oct 19, 11:47 AM
    • 9,571 Posts
    • 73,559 Thanks
    apple muncher
    • #2
    • 29th Oct 19, 11:47 AM
    • #2
    • 29th Oct 19, 11:47 AM
    YESvember turtles:


    1 applemuncher
    2 misstara to run December
    3 Calling14
    4 Toni'sfriend
    5 crazy_cat_lady
    6 Happy Monay
    7 facethemusic
    8 ditty1234
    9 dolly84
    10 doingitanyway
    11 lcc86
    12 indigowarrior
    13 mothernerd
    14 shabbychic12
    15 abundant1972
    16 XSpender
    17 nannygladys
    18 greent
    19 sashanut
    20 aimeemum
    21 SDD23
    22 thriftylass
    23 f0xh0les
    24 Betharooni
    25 delta13
    26 borollan
    27 PhoeniX
    28 SpekySquarehead
    29 bizzie
    30 Karmaca
    31 Katinkka
    Last edited by apple muncher; 08-11-2019 at 6:48 AM.
    NST Dec fun #1; NSD 6/15; Ex 6/21; remove bagfuls 2 (47)

    Mortgage £15,451 (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???
    • Calling14
    • By Calling14 29th Oct 19, 12:54 PM
    • 2,988 Posts
    • 21,642 Thanks
    Calling14
    • #3
    • 29th Oct 19, 12:54 PM
    • #3
    • 29th Oct 19, 12:54 PM
    Me I forgot to join last months turtles adventure I have missed the turtle talk.


    I start November with a big grin on my face now Mortgage free, just 2 credit cards left
    LBM 13039 1.1.13 Now Jan 2019 £3407/£5457

    PAYDBX 2019 #16 £3407/5457 £2050 left
    EFund #9 £60/£1,000
    1 x 100 days challenge no 33 £1450/£2000
    Mortgage free Oct 2019


    • Toni'sfriend
    • By Toni'sfriend 29th Oct 19, 1:05 PM
    • 2,349 Posts
    • 23,328 Thanks
    Toni'sfriend
    • #4
    • 29th Oct 19, 1:05 PM
    • #4
    • 29th Oct 19, 1:05 PM
    I was away for most of October and have so missed my challenge. Count me in for November.
    • crazy_cat_lady
    • By crazy_cat_lady 29th Oct 19, 1:15 PM
    • 5,225 Posts
    • 46,808 Thanks
    crazy_cat_lady
    • #5
    • 29th Oct 19, 1:15 PM
    • #5
    • 29th Oct 19, 1:15 PM
    Me please apple - I need a large kick up the backside.
    NST December #2 NSD = 4
    I am honestly trying my best
    • Happy Monday
    • By Happy Monday 29th Oct 19, 1:36 PM
    • 85 Posts
    • 285 Thanks
    Happy Monday
    • #6
    • 29th Oct 19, 1:36 PM
    • #6
    • 29th Oct 19, 1:36 PM
    Hi everyone

    I'm a newbie, and would love to join in if that's alright? I've been reading through the October thread and lots of what has been posted has really resonated with me - I especially loved the quotes from Abraham Hicks about being happy - I have printed this to read every day!

    At the moment I'm living a frugal month, and have a limited number of funds to take me through to next pay day. It really does focus the mind and helps with the wants v needs.......

    Be great to join in and help motivate each other x
    • facethemusic
    • By facethemusic 29th Oct 19, 2:06 PM
    • 24 Posts
    • 285 Thanks
    facethemusic
    • #7
    • 29th Oct 19, 2:06 PM
    • #7
    • 29th Oct 19, 2:06 PM
    I've lurked for a long time but never posted. However in October money seemed to disappear and I need to focus to stay on track, so joining in seems like a good idea. Not sure how I'll get on, but posting to keep track of NSDs will hopefully help. I also need to do some serious decluttering so 2 a day should be very possible. Count me in and wish me luck ��
    • ditty1234
    • By ditty1234 29th Oct 19, 3:26 PM
    • 389 Posts
    • 2,867 Thanks
    ditty1234
    • #8
    • 29th Oct 19, 3:26 PM
    • #8
    • 29th Oct 19, 3:26 PM
    Hi I'm in for November, as I very much need to be (my better) ME this month. I will try to do all of the things on the list, but don't know if I will be bale to remember all of them. And let me see if I can have 15 NSD days, I think I had 4 this past month, so that will take some planning and restraint.
    The 60 items is perfect - I've got loads of bits to pass on.
    LBM Jan 2019 - £25.928/-£24.260 6% paid off - EF £1.08 Dec 2019
    • dolly84
    • By dolly84 29th Oct 19, 5:35 PM
    • 4,909 Posts
    • 45,287 Thanks
    dolly84
    • #9
    • 29th Oct 19, 5:35 PM
    • #9
    • 29th Oct 19, 5:35 PM
    Count me in apple. Thanks for the new challenge.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • doingitanyway
    • By doingitanyway 29th Oct 19, 5:40 PM
    • 4,822 Posts
    • 30,763 Thanks
    doingitanyway
    I would like to join the new challenge please.
    IF NOT NOW THEN WHEN?
    • apple muncher
    • By apple muncher 29th Oct 19, 6:02 PM
    • 9,571 Posts
    • 73,559 Thanks
    apple muncher
    Me I forgot to join last months turtles adventure I have missed the turtle talk.


    I start November with a big grin on my face now Mortgage free, just 2 credit cards left
    Originally posted by Calling14

    Awesome news! Well done
    NST Dec fun #1; NSD 6/15; Ex 6/21; remove bagfuls 2 (47)

    Mortgage £15,451 (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???
    • apple muncher
    • By apple muncher 29th Oct 19, 6:05 PM
    • 9,571 Posts
    • 73,559 Thanks
    apple muncher
    Me please apple - I need a large kick up the backside.
    Originally posted by crazy_cat_lady

    Not gonna give you a kick. Just an unlimited supply of hugs and cheering on. And a load of comfy cushions and fluffy blankets on this month's naughty chaise longue...! Just in case...
    NST Dec fun #1; NSD 6/15; Ex 6/21; remove bagfuls 2 (47)

    Mortgage £15,451 (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???
    • apple muncher
    • By apple muncher 29th Oct 19, 6:06 PM
    • 9,571 Posts
    • 73,559 Thanks
    apple muncher
    I've lurked for a long time but never posted. However in October money seemed to disappear and I need to focus to stay on track, so joining in seems like a good idea. Not sure how I'll get on, but posting to keep track of NSDs will hopefully help. I also need to do some serious decluttering so 2 a day should be very possible. Count me in and wish me luck ��
    Originally posted by facethemusic

    Wow! We are honoured to be your first post e v e r Since 2015?!


    And Happy too - good to have you join our gang.
    Last edited by apple muncher; 29-10-2019 at 6:09 PM.
    NST Dec fun #1; NSD 6/15; Ex 6/21; remove bagfuls 2 (47)

    Mortgage £15,451 (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???
    • apple muncher
    • By apple muncher 29th Oct 19, 6:08 PM
    • 9,571 Posts
    • 73,559 Thanks
    apple muncher
    Ditty - don't worry about trying to remember it all. But do return to post #1 every so often, to remind yourself. Glad you decided to join us.
    NST Dec fun #1; NSD 6/15; Ex 6/21; remove bagfuls 2 (47)

    Mortgage £15,451 (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???
    • lcc86
    • By lcc86 29th Oct 19, 6:08 PM
    • 1,173 Posts
    • 5,105 Thanks
    lcc86
    Count me in please, have been extremely naughty in October and bought clothes that I didn't necessarily need and also booked a holiday that now needs paying for! Definitely forgot how to differentiate between wants and needs! Had a vet bill today, most should be covered under the insurance but still, I need to get back on the wagon in November. Not sure what I can declutter as I had a huge declutter earlier this year but I'll see what I can do. I have about £700 on my credit card so I need to get work towards reducing it ASAP.
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    Trying to enjoy moments not things!
    • indigowarrior
    • By indigowarrior 29th Oct 19, 6:16 PM
    • 725 Posts
    • 5,593 Thanks
    indigowarrior
    Please add me to the group! I need to get back on track. I am going away for two days at the end of November. Can I also have therapy as an exempt expense please.
    No Spend November 2/15 and SPC 134
    • mothernerd
    • By mothernerd 29th Oct 19, 6:36 PM
    • 3,152 Posts
    • 34,306 Thanks
    mothernerd
    Oh apple, it's lovely. Please sign me up
    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 Dec No 11 No Debt No mortgage
    • shabbychic12
    • By shabbychic12 29th Oct 19, 6:37 PM
    • 160 Posts
    • 1,498 Thanks
    shabbychic12
    Still here x please add me to November. Life has got in the way but still trying.
    2019 early retirement wannabe
    Save £12K in 2019 no 94
    All this saving l'm turning into my Dad
    • facethemusic
    • By facethemusic 29th Oct 19, 7:09 PM
    • 24 Posts
    • 285 Thanks
    facethemusic
    So I've started the decluttering early- 3 things (including a tent I've been storing on its way somewhere else) out of the house tonight. Has cleared a space in the hallway. Have written out all the must be paid bits for next month, so have an idea of spending budgets for the month.
    And yes my first ever posts. I read a lot of diaries when I first joined, used them as inspiration to clear a lot of debt, stopped reading for a bit, but am now trying to balance clearing the last bits of debt (all on a 0%cc) and saving for a house deposit. I think in the last few months I've dropped the ball a bit as I've had money leftover at the end of the month!
    • apple muncher
    • By apple muncher 29th Oct 19, 7:45 PM
    • 9,571 Posts
    • 73,559 Thanks
    apple muncher
    Indigo - yep, therapy is exempt. It is a medical necessity. You can even borrow the naughty chaise longue and lounge on it for it.
    NST Dec fun #1; NSD 6/15; Ex 6/21; remove bagfuls 2 (47)

    Mortgage £15,451 (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???
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