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    • mothernerd
    • By mothernerd 29th Oct 18, 4:20 AM
    • 2,584Posts
    • 27,245Thanks
    Nst november in new york
    • #1
    • 29th Oct 18, 4:20 AM
    Nst november in new york 29th Oct 18 at 4:20 AM

    Everything can change (in a New york Minute). Be prepared for the worst. However change can be an opportunity. We can change. We can be the change we want to see in the world.

    Welcome to the Ninja Saving Turtles (NST) November challenge. We will plan and be prepared. We will keep our families safe. This month I also want us to take the opportunity to look forward, consider our values and what is important to us. New York represents these aspirations.

    We will live in the spirit of the season and embrace all the good things about this time of the year. Along the way we offer help and support, lots of fun, quotes of the day and we might swallow a frog or two. We will try our best to meet all the elements of the challenge but if progress stalls or life throws a spanner in the works don't panic. No turtle gets left behind.


    NSDs No spend days. You will aim for 15 (easy) or 20 (hard). Any YS (yellow sticker) items, medical costs, petrol or 'oyster' card top ups do not lose you your NSD. (we don't want turtles delaying treatment or being stranded because they wanted to keep their NSD). Special milk exemption for greent. Any other requests for exemptions will be considered on their merits.

    ORGANISE your time. Many of you are very busy (especially teacher turtles) but to safeguard your health, both mental and physical, you need downtime. Simplify where possible.

    VALUES Differentiate between needs and wants. Keep your ultimate goals in mind (getting rid of debt, overpaying your mortgage, saving to do something on your bucket list) and weigh that against the shortlived gratification of a new lipstick, a chocolate bar or a new bag. It's okay to build the occasional treat into your budget, but be wary of treats that turn into daily expenditure.

    ENJOY yourself. Have fun. Kick about in the leaves, splash in puddles. Smile, be the rainbow in someone's cloud.

    MAKE an inventory of the food in your cupboards, fridge and freezer at the start of the month. Plan your meals around what you have, make your shopping list up from the ingredients you need to go with them. Do you need to defrost your freezer (because someone left the door open) before Christmas - work out when you will do this. Look for ys 'treats' that can be frozen and saved for Christmas. Root out those forgotten items at the back of the cupboard. Use them or donate them to the food bank, school Christmas fair.

    BUDGETS should be set before the start of the month - Food, travel, socialising, personal. Consider any birthdays or other events. Reduce last month's budget by 5%. If you don't know what you are spending, write down every purchase and analyse it at the month end to see where you can cut it (make cuts sooner if it's obvious). Make provision for a donation (money or goods) to your local food bank/ other charity of your choice.

    EXERCISE 4 times a week, 20 minutes a day. Many of you have an established exercise programme. If you don't, make a start, do something.

    RULES Turtle rules can be difficult at first. Think of them as a tool box. If you can use a hammer and a screwdriver you can do simple repairs. If you are competent with a range of tools you can much more. The more rules you can follow, the more you will save/ have for debt reduction.

    IN case of emergency Add any items you might need (torch, shovel for snow, old carpet for traction, extra coat or blanket) to your car boot. If you don't belong to a breakdown organisation, make sure you have phone numbers for friends or relatives who might come and help you.

    Make sure you and your children can be seen if walking or cycling. This week, after the clocks go back, has the highest incidence of road accidents in the year.

    Stock up with generic painkillers, cold and flu meds - just as effective as the expensive ones (MSE tested).

    NOW is always the right time to start. If you were successful in last month's healthy habit challenge, are you going to continue? Have you another new habit to add? If you fell didn't quite make it, start again now. If you start now you will still be 2 months ahead of those making resolutions in the new year.

    NO takeaways, coffee shops, vending machines, canteens unless for a special event. Take your own food and drinks to work, hospital appointments and days out where possible.

    EVERYONE should know their debt free date (work out what you owe, how much you can pay each month and work our when it will be paid). Pay to debt or savings first and live off what is left (I know some of you are not in a position to do this atm). EXTRA income ideas are always welcome - could your children's old toys be someone else's dream gift.

    WINTER proof your home, if you haven't already done so. Thick curtains, extra linings (two sets of curtains if you have lots of old ones), winter quilts, door curtains, draught excluders, an old blanket over the mattress/ under the bottom sheet. Baked potatoes, hm soup, hot drinks. A throw or blanket for snuggling on the couch, especially when you're ill.

    YOU should cook from scratch when you can (unless time is short or it costs more to make) and batch cook. It is as easy to make a big pan of something as a little pan. Don't buy it if you can make it.

    OUTSIDE It may be cold but wrap up warm and make the most of the available light - it will help your immune system and your mental health.

    REPORT regularly (daily is best)

    KINDNESS costs nothing. Everyone you meet is carrying some sort of burden, so try to be kind, especially to yourself.

    The challenge runs from 00.01 on 1st November until midnight on November 30th.
    Last edited by mothernerd; 29-10-2018 at 4:28 AM.
    This year I will be fierce
    NST Nov #1 SFD 7/20 Food£99.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
Page 23
    • misstara
    • By misstara 15th Nov 18, 9:52 PM
    • 2,923 Posts
    • 20,660 Thanks
    Hugs raphael

    Sorry haven't posted for about a week it's not been a great one

    Now up to 6/15 NSDs so definitely need to up my game. Went for a nice long walk this afternoon and completed a few errands that have been needing done for a while - picking up prescriptions and going to the post office.

    Had a yummy prawn stirfry for tea, while it was cooking I prepped all the veg for tomorrow which is going to be baked tatties with ratatouille
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £513.51 (77.7% paid)
    Car debt Nov 2017 £797.68 Now £767.31 (3.8% paid) + monthly payments £146.82 11/60
    Emergency fund - £50/£1000. Car fund - £0/£1000.
    Mini Targets in Octoberr
    Exercise target - 4/16. Groceries target £143.78/£200. NSD target 6/15.
    • Saving Glut
    • By Saving Glut 15th Nov 18, 10:30 PM
    • 93 Posts
    • 658 Thanks
    Saving Glut
    NSDs: 7/15.

    Enjoy: Attended inspiring lecture by female sportswoman on her various feats.

    Extra income: £189.10 to date. Exchanged Necta points for double voucher today.

    Kindness: Work was generous and gave free freshly made wood-fired pizza and gelato today, colleague gave me a small food gift and I received a box of free out-of-season t-shirts for friend and I from the cycling company we sometimes work for. I broke NSD tonight to spend £2 on soft drinks for friend and I. Only people in the chat room with NSD targets would understand what a sacrifice this was!

    Eat those frogs:
    Submitted tax info to accountant!
    Advertise 4 items for sale online.
    IO BTL1 Mortgage was £97,963 on 09/08/18 and was £91,999 on 14/11/18.
    • mothernerd
    • By mothernerd 15th Nov 18, 11:33 PM
    • 2,584 Posts
    • 27,245 Thanks
    Day 17 and 18 Inspiration
    Inspiration for the weekend

    Lagom home - Reducing Food Waste

    Meal planning buy only what you need - check for best dates
    Aviod 'offers' that encourage you to buy more than you will use
    Store food properly and keep things tidy so you can see what needs using up
    Eat before you go shopping
    If you find you can't remember what you have and haven't got (you are usually looking for what isn't there) - try taking a photo of the inside of your fridge and cupboards as a reminder.
    In season gluts can be frozen, dried, stored in a cool dark place or made into jam and chutney.

    A Balanced Diet and Good Health
    'Not too much and not too little' means eating a varied diet combined with regular exercise with a little treat every now and then.

    Don't skip meals. Eat at regular intervals. 3 moderate meals are better than 2 large ones.

    Find exercise that's right for you - something you enjoy.


    A Balanced mind
    Think positively
    Slow down
    Have a laugh
    This year I will be fierce
    NST Nov #1 SFD 7/20 Food£99.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
    • mothernerd
    • By mothernerd 15th Nov 18, 11:49 PM
    • 2,584 Posts
    • 27,245 Thanks
    I will be catching a coach tomorrow morning and a ferry around 4pm, arriving at the hotel in the I-O-W at about 6.30pm. Only a short trip - Sunday will also be mostly travelling. I think I will relax once I have left the house - trying to do too many things.

    Not feeling enthused about this, still dragging my feet on the packing. I am worried about going so far (we've stuck to neighbouring counties - Yorkshire, Lancashire, Cheshire and Merseyside so far) especially as my ankles are already aching.

    Ah well we can rest when we get there. Have been tidying on and off all day - have found paper cups, my coin purse and the charger for my phone so I must be making progress. Have food and drinks to take for the journey and a book to read.

    Took another book back to the library and carried on to Icyland for a food order - have decided to postpone the full defrost (may have a quick scrape to get some of the banked up ice off). Only bought a few things (they may have eaten them all by the tme I get back). As this stuff is used I will fill the freezer with cakes (some for the christmas fair next weekend) and bottles of tap water with a bit of lemon juice added.

    More washing up. More rubbish out. May throw the bedding in the wash overnight.

    Have a good weekend turtles (Hugs for x-raphael-x and all who are struggling) and I will see you all on Sunday evening (or Monday if I fall into bed when I get home).
    This year I will be fierce
    NST Nov #1 SFD 7/20 Food£99.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
    • Wanna Bee Free
    • By Wanna Bee Free 16th Nov 18, 12:21 AM
    • 1,279 Posts
    • 11,454 Thanks
    Wanna Bee Free
    Raphael, so sorry to read your posts. Take time to decide as itís important and shock is still likely to be affecting you

    Lauren, that sounds terrible, didnít realise it was so bad.

    Dolly, the pie is technically Cottage not Shepherdís - is that still odd? Itís an old WW recipe.

    A nsd here, I left my purse at home to be on the safe side. 4/15

    I was kind to a stressedcolleague today, she texted this evening to let me know I helped.

    Dinner from scratch. Would have got a takeaway if it wasnít for this thread - thanks everyone!
    Save 12K in 2018 #12 - £8,725/£12,000 72.7%
    Cutting Down Alcohol: November 1/10 October 5/10 September 15/10
    2018 74/150 49.3% (2017:106|2016:83)
    2018 No clutter to be seen - 167/630 26.5%
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