Nst november in new york

Count me in please! Need to be especially good in November and December as I'm moving jobs and there may be a bit of a delay on getting paid so I need people to help keep me on track!

NSDs- Aiming for 20

ORGANISE your time.Bath / Books are my downtime. I write lists.

VALUES- coming to the end of my self imposed challenge of overpaying my mortgage, sub £100k by 2019,I don’t have a bucket list, I have a jobs to be done in the house list. The kids will have a holiday next year. I am quite adamant about this one. Probably last minute though.

ENJOY yourself. I have such a problem with this one. I am in disguise all the time. I have imposter syndrome. I am pretending to be a fully functioning stay at home supermum. Just your regular neighbourhood psychopath, hating what she is doing, but nobody knows!! I would like to get a job, but would not be able to live with the guilt of leaving my kids while 2 are still in primary school. Sept 2019 there will be only one, I was a latchkey kid to a very young mother who sent us to a grandparent at every opportunity, 2 kids under 6, alone by plane. As soon as school ended 7pm flight. Every single holiday. They were not parents. They were not there. They are no longer in my life. I overcompensate with my kids. I recognise this.

MAKE an inventory of the food in your cupboards, Plan your meals around what you have, make your shopping list up from the ingredients you need to go with them. Got the T Shirt

BUDGETS Reduce last month's budget by 5%. - oooh! Will give it a go. Budget is usually £100 a week but there is often excess every week,bso I will work on £90 a week this month. Make provision for a donation (money or goods) to your local food bank/ other charity of your choice.! -Done by DD every month on the 1st Orangutan SOS. Animal Aid, and 10% of 2x mobile bills goes to charity ( Wateraid and Maleria charity (mosquito nets)).

EXERCISE4 times a week, 20 minutes a day.

RULES

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. I have scrapers, screenwash, deicer.
Stocked up with cough sweets, antiseptic lozenges, ‘girly’ lemon flavoured paracetamol based drink sachets (nothing to do with Flu or Max – 10 for £1 from £land), paracetamol, ibruprofen, kiddie paracetamol, cough mixture.

NOW is always the right time to start.
NO takeaways, coffee shops, gelato, unless for a special event. Take your own food and drinks on days out where possible.

Everyone should know their debt free date - only debt is mortgage, they reckon 19 and 1/2 years, I could do it in 10 if I have no fun. Sooner if DH got onboard (more like 6 years), but not holding breath on that one. He has started an EF so I cannot complain. !EXTRA!income ideas – surveys and postal surveys and competitions.

WINTER proof your home - throws on sofas, small heater in living room, so I don’t put heating on in the daytime when only me at home, blanket on end of beds, hot water bottles ready in drawer under sink, gloves ,scarves and hats ready, thermals on standby, tights not yet deployed. Candles are a source of heat and light and happiness (most were birthday presents or ys bargains)

YOU should cook from scratch when you can – all except the odd bit of pastry if YS

OUTSIDE It may be cold but wrap up warm – does freezing my a$$ off on the playground twice a day count? Brrrr. Will try and walk about a bit. Fancy a trip to the Victorian graveyard up the road. Might get my cloak out.

REPORT- will do

KINDNESS- will try and disseminate my profound wisdom and experience. While encouraging people to give up on consumerism and all that nonsense.

Can I join please?

I was doing well with other challenges at the start of the year, however things all went to pot when my OH fell ill and we never quite recovered. Debt continued to be paid off at a good rate, but frivolous spending and poor meal planning were our down fall! OH is fit and well now, so need to get back on the money saving wagon!