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  • FIRST POST
    • mothernerd
    • By mothernerd 25th Sep 19, 1:46 AM
    • 3,120Posts
    • 33,950Thanks
    mothernerd
    Nst october
    • #1
    • 25th Sep 19, 1:46 AM
    Nst october 25th Sep 19 at 1:46 AM
    NINJA SAVINGS TURTLES

    OCTOBER

    Game of Thrones


    Welcome to the final quarter of 2019 (the last 90 days sounds too apocalyptical). Time to pause and think about where you want to be now, in the next few months and going forward into 2020.

    AS we all know, the perfect time to do something never comes. Stop waiting ... for the weekend, for a new year, for things to change. The best time to start something is right now.

    To inspire us I am using 'the words' of some of the houses in GoT. This is a Turtle Alliance of some of the great Houses of Westeros, we will use all their collective wisdom to fight debt, increase our spending and do all we can to keep our families and ourslves safe, warm and healthy and have fun along the way.

    House Stark's words are
    WINTER IS COMING
    House Stark has always been very supportive of the Night's Watch who keep the whole of Westoros safe from the Wights. You are the guardian of your family and we will consider how to protect your house and family as Winter approaches.

    This needs Planning and Preparation

    Before the Start of the Month You MUST
    Set Your BUDGET for the Month
    AUDIT your Cupboards, Fridge and Freezer
    Make a MEAL PLAN starting with what you have in (unless you have already started to put things aside for a special occasion
    Plan for the MONTH - what is happening, what commitments, appointments, celebrations, once a year bills are coming up.

    For the Next Ninety Days
    What is Your FOCUS?
    What do you want to happen?
    What needs to change? It may have to be You
    SET some goals. Break them down into Monthly and Weekly targets.
    Think in terms of small changes that you can make NOW.


    House Lannister's words are
    HEAR ME ROAR
    The Lannisters are also famous for always paying their debts. With a lion's ferocity you avoid spending money.

    Plan for the Month
    You must PAY to YOUR DEBTS or SAVINGS FIRST and live on what is left.
    INCREASE your income if possible
    REDUCE your outgoings eg by using own brand products or changing your supermarket?
    Can you MEND, MAKE or MAKE DO instead of Buying?


    For the Next 90 Days
    CUT out any unnecessary socialising
    CUT Screen Time
    Be Mindful, Meditate, Read or just spend time with Nature or Candlelight (you can't see all the 101 things you think you 'ought' to be doing).
    LOOK for any free activities or events in your area


    House Martell's words are
    UNBOWED UNBENT UNBROKEN

    We all get tossed by life's storms. Sometimes we are still dealing with the latest disaster when the next crisis bowls us over.

    This Month
    Whatever happens you need to KEEP GOING.
    Whether you stumble, fall or get knocked down you need to GET BACK UP (it's fine to stay down for a while, get your breath back, check if anything is broken).
    RUN, WALK or CRAWL
    If you can't run, walk. When you can't walk, crawl.
    If you are CONFINED TO BED or the couch, PLAN your next moves and find things YOU CAN DO from there (I always found tackling the mending pile was a good thing to do when recovering from flu). Progress is progress, no matter how slow. What you don't do is give up because of one tiny slip.
    LOOK AFTER YOURSELF so that you can look after those who depend on you.


    For the Next 90 Days
    Introduce ONE HABIT to improve your health
    Do something FOR YOU each day
    BE KIND always (everyone you meet is carrying some burden)


    House Reed's words are
    HEARTH, HEART and HARVEST

    The mud men live simply. They also spear frogs.
    SIMPLICITY has been a recurring theme in this year's posts. Treading lightly upon the Earth and being at one with nature fits with the turtles holistic approach.


    This month
    Concentrate on the THINGS THAT MATTER, your home and loved ones, health and happiness.
    Make a FROG LIST - try to tackle one a day.
    CONTINUE to SIMPLIFY your life, RELEASE unwanted possessions and REDUCE things that cause you stress.
    DONATE - time, goods or money
    BE GRATEFUL.

    For the Next 90 Days
    Think about what really matters to you.
    What can you do to get closer to living the life you have always wanted?
    What no longer fits in your life?
    Visualise Your IDEAL DAY
    Make a list of GOOD THINGS that you want in Your Life



    The challenge runs for the whole of October.

    You will aim for 15 No Spend Days.


    Who will join our October Adventure?
    Last edited by mothernerd; 26-09-2019 at 2:24 PM.
    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 Nov No 13 No Debt No mortgage
Page 3
    • bizzie
    • By bizzie 27th Sep 19, 6:32 PM
    • 232 Posts
    • 2,856 Thanks
    bizzie
    Can I join in again this month please.
    Been missing the accountability the NST challenges bring to life though I have read all posts.
    Groceries: Personal Spend:
    NST November #29
    Goals for 2019: Balance in
    Self: Health: Wealth :
    • mothernerd
    • By mothernerd 27th Sep 19, 8:54 PM
    • 3,120 Posts
    • 33,950 Thanks
    mothernerd
    mothernerd's Month (and 90 day plan)

    BUDGET £100 Food (including stuff for DS3 and his Beloved), £25 Travel (want to come in under but need some flexibility), DIY £25 I have found the paint I need to redo the old garden chairs and that costs £14. There was something else but I can't remember what it was. Unknown - going to take the laptop to the repair shop tomorrow, definitely needs a new charger and will see if anything can be done with the casing.


    AUDIT Have already done the freezer as it needs to be defrosted (someone keeps leaving the door open and parts of it are frozen solid) so will use that list as the basis for the coming week's meals. Have already made bacon and leek soup (5 portions + 1 eaten) and chilli (3 portions + 2 eaten).



    Lots of eggs and frozen fish, a packet of sausages to be cooked over the weekend and will base a lot of meals around my tinned pulse collection and try to be a bit more adventurous. A few items which need using up.


    ***Tip
    If you ever have an emergency and have to empty the freezer in a hurry but can't afford to restock, fill the space with large bottles refilled with tap water, YS 10p bread, old newspapers. I've even put sheets and towels in there. These can all be taken out as you restock (with HM ready meals)


    Plan for the MONTH
    Use dry days for outdoor stuff - I have an old tin of wood stain to use up and a lot of digging and moving stuff which will have to be done bit by bit.
    2 appointments next week, mum is at physio on Monday and I am meeting the weight management team on Tuesday. I will order repeat medication and book flu jab appointments when we are there (all in same large building)
    Away for 4 days in the Lake District (southern bit) from the 21st to the 24th. Holiday is paid for and mum will contribute to food (lunches). Taking Beloved with me as mum now has an appointment that week and doesn't want to postpone..
    Will be home for next month's film club and hope to do a day out (scaled back from buying a weekly bus or train ticket). New exhibition at the library starts midweek and want to visit mum's old boyfriend (he's lonely - has been phoning mum daily to check how they both are). They split up when they were 17 yo.


    Need to do WINTER PREP.


    90 Day Plan
    FOCUS will be on rebuilding savings and losing weight (failed to do so all year and still battling cravings).



    Nearly everything in the kitchen needs a good clean and it needs to be made to work (even if I have to go round putting post it type notes on everything). DS3 said he didn't know where things should go (he's taken charge of emptying the dishwasher) so maybe labelling the shelves would be useful.


    Want to continue redicing the number of things in the house (old computer needs to go out) both here and at mum's.


    Start SAVINGS POTS for purchase of a new cooker and roof repairs (DS2 borrowed all the money in the drawer - all the roof repair money and some of the 365 Penny challenge money. Got £90 back today so that is going in the drawer).


    WALKing Programme - started a couple of weeks ago. As I've only stopped using a walking stick a week ago I'm doing round the car park, round the far side of the library (slightly bigger circuit) and round the far side of little Arseda (bigger again). This week I want to start on my old half hour walk - to the top end of the shopping area and back (in the evenings when it's quiet). Want to be moving by the holiday (3 weeks 2 days).


    Join local 'food waste' group.


    Complete 2 large embroidery projects especially the one needing good daylight (want these 2 done by end of October if possible) and making lavender bags to use up odds and ends of material and trimmings and the remaining home grown lavender.


    Want to make progress with my 5 year plan for the garden. I need things to be where I can easily work on them. This was put on hold in case the roofer neede to put up scaffolding but I'm rapidly approaching the point where I can't do what needs doing.


    At mum's I need to finish the yard work, sort the shed, put up the new curtain pole, curtains and linings and do a furniture shuffle. May need to think about more overnight stays.


    SAVINGS First £90 put back in.


    RAISING income would be difficult. Currently do 16 hours self-employed (for very little return) and 35+ hours lookig after mum (receive Carer's Allowance). Never had much luck with surveys (don't have a car, only replace white goods when they give up the ghost, no tv etc)


    REDUCNG Outgoings
    Cook from scratch (can do some batch cooking or at least chopping veg at mum's).
    HM gifts (samplers and lavender bags)
    Avoid buying clothes (haven't needed to wear my nightie and wellies whilst waiting for my clothes to dry recently)
    SWITCH the heating off again every time I notice they have put it on.
    LIST everything I spend - this helped me identify 3 bad habits that had crept up on me (now stopped)


    90 Day Plan
    Hooray for Hibernation. Stay in, keep warm (mum has her heating on).


    SCREEN TIME will reduce because the new laptop is playing dead for now and the old one won't load most of the games properly or wants me to go through a complicated rigmarole to access them.


    Lots of READING. Set up CANDLES and TWINKLY Lights. Quiet time with NATURE and TREES.



    KEEP GOING Will be plodding or crawling along, doing what I can.


    MORE Walking, More Water, More Veg



    90 Day Plan
    DONATE to Food Bank
    Try to Be More TOLERANT of idiots.
    More GOOD Deeds.
    MONITOR Mood and Mental Health
    WRITE a List of no cost treats and have pampering days pampering



    HEALTHY HABITS

    Eat only when hungry

    Cut out the RUBBISH


    PLan for the Month
    SIMPLIFY
    Get STUFF Out of the House
    Write FROG LIST
    Reduce STRESS - will have to work on this one
    DONATE unwanted goods and loose change.
    Daily GRATITUDES


    90 Day PLan
    Best Possible life

    Things that make me happy
    ADD more good things to my life one at a time (not physical stuff)


    AS usual there will be daily inspiration, things to ponder, things to make you smile (probably lots of it- looked at the file of saved items and there are 211 of them).


    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 Nov No 13 No Debt No mortgage
    • f0xh0les
    • By f0xh0les 28th Sep 19, 12:12 PM
    • 2,617 Posts
    • 24,245 Thanks
    f0xh0les
    GAME OF TURTLES!! Autumnal Edition

    The best time to start something is right now.


    WINTER IS COMING

    Planning and Preparation
    I have refound the electric heater thing (just in case), the throws and fluffy blankets are on the ends of sofas, the radiators have been bled and one taken off, hosed out, and replaced. I tested the heating last week - it is awful to turn it on and find your pump has seized. Test your heating before you need it! Frosts are forecast for next week.

    BUDGET - £100 per week for 6 people - total for month £400
    Fuel - £80 for the month.

    Planned events - dh birthday (gifts done) ds1 birthday (not a clue), half term, kids eye tests, Brexit? (who knows), Hallowe'en, Locksmith to get my car key out of the barrel (yeah, I know!). Next term's after school clubs will need paying for.
    Ninety Days FOCUS
    What do you want to happen?
    Weight loss, engage tradesmen, sort out a good amount of my house.
    What needs to change? Fear of doing it wrong (I blame Nick Knowles)
    Small changes I can make NOW.
    Photograph and list the pile of stuff messing up the back room. It is earmarked to leave the house. Help it out the door by offering it to others. If it does not go, then c/s it, or take to the tip and recycle it in the skips - over 80% ends up being repurposed, whether as rags or woodchip or whatever. The tip needs to be rebranded as the recycling centre. One day there will be skips for plastic with the triangle number on them and we will all recycle properly.

    I have embraced rechargeable batteries. All kids devices now run on them, whenever the old ones run out, they are replaced with rechargeable ones, the HP potion jar fairy lights now run on them, I am getting there.

    INCREASE your income - I am nearing Y0uG0v £50 cashout, pr0lific academic is a good quick way to make extra, and you can cash out from £5 -if you have another language French/German/Klingon/ Dothraki (had to google that one) you can earn even quicker, sometimes £5 in a day. Obv not every day, but well worth doing. Valued0pini0n is handy for Xmas vouchers but no payout til £15 - try and find out if there is a referal/joining code for these things. Might as well give someone some free points. Cashback sites don't really work for me as I don't buy anything new.
    REDUCE - reducing portion sizes (this is my main problem) pretty much all food from scratch, embrace the soups! Going to thin out the dvd shelf and some of my books. All to c/s.

    MEND, MAKE or MAKE DO instead of Buying
    Going to make a door curtain for the front door - it is 1990s style pvc glazed, hideously fugly, I have the material, the pole and some cup hooks to keep it up. I need to get on with it. Cushion covers need making too. Cost should be £0. Will go scrumping again.

    Free activities or events in your area
    100 women exhibition at local museum/art gallery starts this week. Half term holiday booked. 3 days in Hope Valley (6 people) and 3 days at seaside in Norfolk (4 people), less than £100 and will self cater - budget for going down a cave, and the odd coffee, but will bake cakes and biscuits to take with us, and bf and dinner will be cooked by us. Lots of walking. Being at one with nature. Eating from hedges (sloe face).

    Everyday there are frogs splatted off my list. Every day has a list. It works for me. I will continue to volunteer my time to the foodbank.

    I will aim for 15 No Spend Days - but keeping within budget is more important to me.
    Last edited by f0xh0les; 28-09-2019 at 12:15 PM.
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • craftingmad
    • By craftingmad 29th Sep 19, 9:24 PM
    • 1,573 Posts
    • 6,173 Thanks
    craftingmad
    Please can I join in. I need to do all of these things and have just finished an inventory of my freezer
    Mortgage - £125k £32k £24k OP Made 2010 £29320 OP 2011 £4200
    BTL Mortgage £81K BTL Mortgage £82
    No Craft Spending in 2019 10/365 Stash Busting Challenge 2019 31/2019

    1% club member 17,18& 21 - 100% reached 3 times £10k New Target £300.57/£5000 6%
    NSD JAN 8/16
    • PheoniX
    • By PheoniX 30th Sep 19, 8:52 AM
    • 246 Posts
    • 2,585 Thanks
    PheoniX
    Me too please mothernerd
    Ninja Saving Turtle
    SFD 1 Food 0 Fuel 0 Fun 0 Misc 0

    • thriftylass
    • By thriftylass 30th Sep 19, 9:52 AM
    • 3,602 Posts
    • 29,875 Thanks
    thriftylass
    Good morning. Payday today, paid debt, savings and finalised my budget. Got the meal plan ready till Friday. We'll be away from Sat to Tue near Pitlochry. The accommodation is already paid for just need money for a meal out and groceries (got a wee self-catering lodge thing).

    Switched energy suppliers from EDF to bulb and should get the credit reimbursed this month which will be a nice bonus.

    Also started the last 90 days and Stoptober in ernest today. Told hubby about it, he might join me, at the least he has been told not to tempt me.

    Will go for a run in the autumnal lunchtime sunshine today and dinner will be leftover gammon pasta.
    NST Nov 19
    SFD 3/20 spends £450/650
    Exercise 3/15
    Debt - all 0% 265 to go from 5290
    DFD 12/2019 Mortgage 109343 (04/17) 92300 (11/19) OP 1910
    • greent
    • By greent 30th Sep 19, 10:26 AM
    • 8,230 Posts
    • 83,634 Thanks
    greent
    Time to pause and think about where you want to be now, in the next few months and going forward into 2020. The best time to start something is right now. - - Definitely!



    House Stark's words are
    WINTER IS COMING
    You are the guardian of your family and we will consider how to protect your house and family as Winter approaches. This needs Planning and Preparation

    Before the Start of the Month You MUST
    Set Your BUDGET for the Month - yes
    AUDIT your Cupboards, Fridge and Freezer - new inventory being done today
    Plan for the MONTH - what is happening, what commitments, appointments, celebrations, once a year bills are coming up. - OH's 50th bday (presents/ cake/ meal out), my nephew's 2nd bday (present), 1 x lunch out with sister, 1 x lunch out with Nan, Mum, 2 x aunts, 1 x cousin, 1 x uncle. Half term - may have a couple of nights away with smalls to visit big siblings - have a £50 goodwill gesture from A1rbnb to use. Do need 2 x new tyres for my car (advisory on MOT and would like done before bad weather)

    For the Next Ninety Days
    SET some goals. Break them down into Monthly and Weekly targets. - need to make a start on Chr***mas prep. (and Dec & Jan bdays) Also make a list of small jobs I'd like achieved before Xmas and timetable some in.


    House Lannister's words are
    HEAR ME ROAR
    The Lannisters are also famous for always paying their debts. With a lion's ferocity you avoid spending money.

    Plan for the Month
    You must PAY to YOUR DEBTS or SAVINGS FIRST - done - Stos/ DDRs go out 1st monthly to savings. CCs paid off in full.
    INCREASE your income if possible - I have a small amount of work (5-6 hours) in Oct. I am semi-looking for more regular income. Will look to list remaining items on flebay/ fb00k to gain some money and also go back to Pr0lif1c surveys
    REDUCE your outgoings - on a mission to use some things up (foods/ toiletries/ cleaning products)
    Can you MEND, MAKE or MAKE DO instead of Buying?
    - will be making do/ substituting where some ingredients (and cleaning stuff) are concerned. Have run out of shower gel so am using up bar soaps until Xmas (when I always get some 'nice' stuff which I wouldn't buy myself ) Will aim to get small DIY jobs done using things we already have wherever possible.

    For the Next 90 Days
    CUT out any unnecessary socialising - we don't do much anyway Oct will actually see a bit more because of Half Term and OH's 50th
    CUT Screen Time
    Be Mindful, Meditate, Read or just spend time with Nature
    LOOK for any free activities or events in your area


    [COLOR=SeaGreen]House Martell's words are
    UNBOWED UNBENT UNBROKEN

    This Month
    LOOK AFTER YOURSELF so that you can look after those who depend on you.


    For the Next 90 Days
    Introduce ONE HABIT to improve your health - will aim for consistency with exercise and diet
    Do something FOR YOU each day
    BE KIND always (everyone you meet is carrying some burden)


    House Reed's words are
    HEARTH, HEART and HARVEST

    The mud men live simply. They also spear frogs.
    SIMPLICITY has been a recurring theme in this year's posts. Treading lightly upon the Earth and being at one with nature fits with the turtles holistic approach.


    This month
    Concentrate on the THINGS THAT MATTER, your home and loved ones, health and happiness.
    Make a FROG LIST - try to tackle one a day. - will make a list (not sure I will have 31 items on it, though)
    CONTINUE to SIMPLIFY your life, RELEASE unwanted possessions and REDUCE things that cause you stress. - always
    DONATE - time, goods or money - several opportunities this month
    BE GRATEFUL - will get back to listing gratitudes - it makes me think if I am accountable to listing them on here

    For the Next 90 Days
    Think about what really matters to you.
    What can you do to get closer to living the life you have always wanted? - small house & garden jobs/ getting rid of unwanted items/ prep for Chr1stmas


    Thanks for this, mothernerd - long initial post from me, but will aim to make daily posts shorter!
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £4675/£5K
    Net sales 2019 £619.96/£500
    • mothernerd
    • By mothernerd 30th Sep 19, 11:25 AM
    • 3,120 Posts
    • 33,950 Thanks
    mothernerd
    I've given you your milk exemption greent.
    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 Nov No 13 No Debt No mortgage
    • greent
    • By greent 30th Sep 19, 12:23 PM
    • 8,230 Posts
    • 83,634 Thanks
    greent
    I've given you your milk exemption greent.
    Originally posted by mothernerd
    Thanks, mothernerd - whilst I have 2 away at uni, one of those doesn't do dairy and the other only has milk in an occasional coffee - so they don't impact on our consumption! - the smallest 2 are the biggest culprits (although OH does have a cereal-for-supper (as well as for breakfast) habit, too)
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £4675/£5K
    Net sales 2019 £619.96/£500
    • Karmacat
    • By Karmacat 30th Sep 19, 1:13 PM
    • 32,513 Posts
    • 192,262 Thanks
    Karmacat
    House Stark's words are
    WINTER IS COMING
    House Stark has always been very supportive of the Night's Watch who keep the whole of Westoros safe from the Wights. You are the guardian of your family and we will consider how to protect your house and family as Winter approaches.

    For the Next Ninety Days
    What is Your FOCUS?
    What do you want to happen?
    What needs to change? It may have to be You
    SET some goals. Break them down into Monthly and Weekly targets.
    Think in terms of small changes that you can make NOW.

    End of September is my cut-off date for full-on attention to the garden, I really need to get out there, but its too difficult when the garden is so mad. So life in the last quarter of the year will hopefully be quite different from the first three quarters.
    Originally posted by Karmacat
    It's going to be a bit difficult to contribute as much/ little as I do usually I'm away for 2 weeks, and another week later on OTOH, even though I haven't finished the garden (because I was preparing for these trips) the whole point of the Stark words is fulfilled by these trips (one is holiday and one is family): what is my focus, what do I want to happen, what needs to change. Exactly that. The goal for the trips themselves is to stay well, so that I can do as much as possible.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • thriftylass
    • By thriftylass 30th Sep 19, 4:05 PM
    • 3,602 Posts
    • 29,875 Thanks
    thriftylass
    Just received the motivation I needed to make drastic changes. I have got 3 months job security and in January that could quite possibly change to none, as in no job. Been forwarned and can only use this as an opportunity rather than to stick my head in the sand. I will go and have a look at my budgets for the next three months and make reasonable adjustments to make the most of the guaranteed paycheques I have left.
    NST Nov 19
    SFD 3/20 spends £450/650
    Exercise 3/15
    Debt - all 0% 265 to go from 5290
    DFD 12/2019 Mortgage 109343 (04/17) 92300 (11/19) OP 1910
    • Justforme
    • By Justforme 30th Sep 19, 4:46 PM
    • 130 Posts
    • 1,233 Thanks
    Justforme
    Evening all, I did pop in end of last month amd ask to join in but then got totally overwhelmed with restarting our debt smashing journey. Could I join in for October please, I love everything I have read about the challenge so far.
    • misstara
    • By misstara 30th Sep 19, 4:47 PM
    • 3,243 Posts
    • 23,387 Thanks
    misstara
    Sorry to hear that thrifty.

    My plans for October
    House Stark's words are
    WINTER IS COMING

    Before the Start of the Month You MUST
    Set Your BUDGET for the Month - done
    AUDIT your Cupboards, Fridge and Freezer - I go home on Friday so will do this once I get home. OH has been fending for himself since the start of August so not sure what I'm going to find
    Make a MEAL PLAN starting with what you have in (unless you have already started to put things aside for a special occasion - again will do on Friday
    Plan for the MONTH - what is happening, what commitments, appointments, celebrations, once a year bills are coming up - wedding, 2 birthdays, MOT and a few catchups with friends who I haven't seen since getting out of hospital


    House Lannister's words are
    HEAR ME ROAR

    You must PAY to YOUR DEBTS or SAVINGS FIRST and live on what is left - made a payment to the debt
    INCREASE your income if possible unfortunately I can't do shifts for 2nd job or overtime during October but will try to earn some extra cash through doing surveys
    REDUCE your outgoings eg by using own brand products or changing your supermarket? - will try
    LOOK for any free activities or events in your area
    - planning to have a look later

    House Martell's words are
    UNBOWED UNBENT UNBROKEN


    Introduce ONE HABIT to improve your health I'm currently trying to put on weight so I have been eating quite a lot of unhealthy food. I want to focus on healthy eating and getting lots of fruit/veg


    House Reed's words are
    HEARTH, HEART and HARVEST


    Make a FROG LIST - try to tackle one a day - still on sick leave during October and will have lots of time so no excuses not to get some things crossed off the list
    CONTINUE to SIMPLIFY your life, RELEASE unwanted possessions and REDUCE things that cause you stress - planning a sort out of clothes
    DONATE - time, goods or money - will donate to the foodbank


    You will aim for 15 No Spend Days.- will do
    Originally posted by mothernerd
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Car debt Nov 2017 £797.68 Now £602.20 (24.4% paid) + monthly payments £146.82 24/60
    Emergency fund - £220/£1000. Car fund - £87.10/£1000.
    • dolly84
    • By dolly84 30th Sep 19, 5:55 PM
    • 4,835 Posts
    • 44,637 Thanks
    dolly84
    Sorry to hear about your work situation thrifty.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • apple muncher
    • By apple muncher 30th Sep 19, 6:08 PM
    • 9,466 Posts
    • 72,750 Thanks
    apple muncher
    misstara - hope going back home is good for you!


    thrifty - gulp. Good luck with job hunting.


    greent - can't believe your nephew is going to be 2 already!
    NST YESvember #1; NSD 6/15; Ex 2/21; remove bagfuls 1(46)

    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???
    • Purplesocks
    • By Purplesocks 30th Sep 19, 7:35 PM
    • 24 Posts
    • 114 Thanks
    Purplesocks
    I
    BUDGET
    monthly food shop £280
    Weekly money £50 ( reduced from £60 for this challenge)
    Clothes £25
    Any money not used will go savings/debt
    AUDIT done still trying to figure out why I have 4 different chilli sauces open
    PLAN a quiet month the only birthday is on the 1st and present has already been delivered. Dh and Ds have flu jabs on the 12th.

    90DAYS FOCUS
    to successfully complete stoptober
    10 mins light exercise a day.
    Stock to a sleeping routine
    ��


    PAY DEBTS/ TO SAVINGS FIRST
    my personal credit card £60 paid
    loan goes out on the 1st
    savings will pay to when all housekeeping has been given and bills paid
    any savings from budgets will also be added
    REDUCE OUTGOINGS
    will be shopping in a different supermarket
    use Iceland online code
    MEND, MAKE, MAKE DO
    repair draw fronts
    sew buttons on coat

    90 DAYS FOCUS
    CUT UNNECESSARY SOCIALISING - unavoidable events
    - I have a concert ticket for a friends birthday in November, will avoid going out for dinner,just a few drinks
    -Ds birthday so will go out for dinner
    -work function, I missed this last year because of Ds health problems so need to show my face this year.
    CUT SCREEN TIME
    I have already stopped using iPad an hour before bed to aid sleeping, will reduce further
    BE MINDFUL, MEDITATE,READ OR JUST SPEND TIME WITH NATURE & Candlelight
    instead of having alcohol to relax, I am going to use some of my special bubble bath and have a lazy bath by candlelight.
    Avoid reading on kindle and read proper books instead, I am currently on the waiting list at my local library for Michelle Obama’s Becoming.
    I hate nature and live in the South West where the weather is always awful this time of year, so I will be a hibernating turtle.




    KEEP GOING
    this is what attracted me to this challenge “ we may slip we don’t quit”
    LOOK AFTER YOURSELF

    90 DAY FOCUS
    INTRODUCE ONE HABIT TO IMPROVE YOUR HEALTH
    10 minute gentle exercise a day
    DO SOMETHING FOR YOU EACH DAY
    BE KIND

    Last edited by Purplesocks; 30-09-2019 at 8:18 PM.
    • crazy_cat_lady
    • By crazy_cat_lady 30th Sep 19, 9:38 PM
    • 5,149 Posts
    • 45,898 Thanks
    crazy_cat_lady
    I actually have quite a busy October ahead of me. I have a few social events including 2 work nights out, a weekend away and half term. Plus I've just arranged to take the kids to see my ex's family who live away. Just going overnight, and staying in a hotel as well. So as the big December festival is coming up I need to be more frugal than I've ever been. I have organised the month as best as I can and everything is crossed that I can survive it. Good news is that it has mostly been paid for in advance. I can get through this.
    Wearing my GoT Stark pyjamas - fully embracing the challenge...
    NST November #5 NSD = 6
    I am honestly trying my best
    • mothernerd
    • By mothernerd 30th Sep 19, 10:18 PM
    • 3,120 Posts
    • 33,950 Thanks
    mothernerd
    October Inspiration
    A little early but it's nearly time to turn the laptop off.


    A few Dave Ramsey quotes to start


    A BUDGET is telling your money where to go instead of wondering where it went



    If you can't pay CASH you can't afford it.


    Doing a Budget means learning an ancient and powerful word. NO


    You can't get out of debt whilst keeping the same lifestyle that got you there. Cut out everything but the basics.




    A little turtle wisdom
    Try to be like the turtle - at ease in your own shell


    Turtle - a symbol of longevity, turtles survived extinction when the dinosaurs didn't. Some live up to 200 years - without appearing to age at all. How? By never rushing life and at the first sign of stress, heading in to the quiet comfort of their custom mobile homes.


    Live fully in the season you are in
    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 Nov No 13 No Debt No mortgage
    • Chrystal
    • By Chrystal 1st Oct 19, 5:33 AM
    • 793 Posts
    • 5,687 Thanks
    Chrystal
    Can I join in please? I need to try and get my life in some kind of order!
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • LINKYPIE2009
    • By LINKYPIE2009 1st Oct 19, 7:59 AM
    • 315 Posts
    • 1,750 Thanks
    LINKYPIE2009
    I’d like join please - have never watched GOT so unsure of where I sit.....maybe a little of all....will undertake the tasks......and report back.
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