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    • abundant1972
    • By abundant1972 29th Jan 17, 12:14 PM
    • 1,227Posts
    • 9,215Thanks
    NST February Challenge : A Winter Voyage
    • #1
    • 29th Jan 17, 12:14 PM
    NST February Challenge : A Winter Voyage 29th Jan 17 at 12:14 PM
    Welcome to February’s NST Challenge : A Winter Voyage

    The end of January is almost upon us… I’m looking outside and there’s a blue sky, and the frost is thawing. It has been a long month – and for those who maybe have children and celebrated Christmas, it can feel like you’re just about recovering from the expense. Energetically – I always feel at a bit of a low ebb… We bowl through Christmas, into New Year and back to work perhaps, and that again can feel tough. If you spend more time at home – it can be a difficult month too – the cold and dark nights might leave you craving the comfort of your home and your natural tendency is to go within. Heck – we should all be hibernating – but life dictates we push ourselves onwards… Just pause for a moment – and mark the occasion. Congratulate yourself - you have provided for yourself (and your family if you have one) and the New Year we planned last month is awakening. We still have a way to go before Spring arrives, so wrap up warm and batten down the hatches.

    Last month, Misstara asked us all to set goals for the year ahead. I would like you to consider the following quote from Earl Spencer…

    “People with goals succeed because they know where they’re going. It’s that simple. Failures, on the other hand, believe that their lives are shaped by circumstances … by things that happen to them … by exterior forces.

    Think of a ship with the complete voyage mapped out and planned. The captain and crew know exactly where the ship is going and how long it will take – it has a definite goal. And 9,999 times out of 10,000, it will get there.

    Now let’s take another ship, just like the first, only let’s not put a crew on it, or a captain at the helm. Let’s give it no aiming point, no goal, and no destination. We just start the engines and let it go. I think you’ll agree that if it gets out of the harbour at all, it will either sink or wind up on some deserted beach – a derelict. It can’t go anyplace because it has no destination and no guidance.”

    So… the next leg of our journey is going to be by sea. Yes you heard right. This month – we are setting sail towards our goals. You have a few days before our ship departs and I want you to make ready.
    We will be at sea for 28 days remember - it is imperative that you bring adequate supplies. There may be clear skies at the moment but storms can blow up out of nowhere and have been known to sink many a ship. We must prepare for the unexpected. There are pirates in these parts who will stop at nothing to loot and pillage your cargo. Tales also tell of sirens – whose song can tempt you from your course, only for you to crash upon the rocks – your budget smashed to smithereens! We must be on our guard against them. Look out for dolphins along the way – they are good omens and can help your money go a bit farther. According to my maps – there’s an island where we can stop mid-way if we can find it – for some much needed rest and relaxation.

    The Rules:
    • The ship sets sail on February 01st and it’s journey finishes on February 28th
    • Plan your shore leave. If you want to meet with friends – log the dates now and don’t deviate once we have set sail.
    • Pay your debt repayments first, and budget separately for birthdays, car expenses, travel, bills, school fees etc. Set money aside for these - they do not count towards a spend day – as long as you have budgeted for them! Be prepared and plan ahead. Get your house in order before you depart!
    • Plan your personal budget with what money you have left. Set aside an amount for essential rations and an amount for personal spending. What you use your personal spends for is up to you – essentially ‘non-essential’ things. It could be a trip to the cinema, a chocolate bar, a new t-shirt or a book. Try not to feel guilty for spending a little on yourself – but budget it in. I am allowing £80.00 for rations and £80.00 for spends.
    • Aim for 15 NSDs. I am giving you each 12 flares. Use them wisely. Fire one off and you can get supplies (have a spend day). That’s 3 flares per week – use them wisely.
    • Look out for Dolphins (a.k.a Yellow Sticker produce). These DO NOT count as a spend day. If you see them break the waves – give thanks, and grab a bargain (as long as you’ll use it!).
    • Beware Pirates! They come in many guises and want to steal your booty! Make your lunches for work, and take in your own coffees – avoid shop/canteen bought convenience food which tends to be overpriced.
    • Beware Sirens! High Street retailers that tempt you in to buy buy buy!!! Before any purchase – ask yourself... ‘is this going to bring me nearer my goal or push me further from it?’… Is it a ‘need’ or a ‘want’…? Can I afford it or will it leave me broke?
    • Mid Voyage we will be stopping off at the Isle of Aphrodite – an enchanted place, and a welcome rest from our travels. This is a free day. Put aside £10.00 if you can afford it and a bit of time for yourself. More details to follow.
    • Remember those lost as sea – try and give or do something charitable. It could be a cash or food donation, or giving of your time if you don’t have a lot of spare money.
    • Never be afraid to ask for help or advice. It occurred to me that I take things like budgeting for-granted… but when I was a newbie – I didn’t know where to start. It was only through joining forums like this one that I learned.
    • It’s ok to make mistakes – as long as we learn from them and do not keep repeating them. If we do – we need to look at why we do – what is our gain from keeping ourselves in debt or perpetuating bad habits.

    What I’d like to see posted from you:
    1. If you haven’t already – try and do a signature. It’s a great way to personalise your goals and targets – and provides a visual aid to your progress. If you need help setting one up just yell!
    2. List your food and spends budgets. Try doing them separately for this month and tell me if it works – or not. I find giving myself permission to have a little bit of a life (spends) really hard… but life is about living. If it helps, each week draw out your spend allowance – when it’s gone, it’s gone.
    3. A running NSD total.
    4. Post 3 things – daily if you can – that you are grateful for. It helps us focus on what we have in our lives and gives us a feeling of wealth and abundance that goes beyond just money.
    5. Re-visit your goal(s) set last month (or do a new one if you’ve just joined). How is your progress? Are you on track or floundering? Be honest. Remember the ship quote above – unless you give direction and purpose to your goals – you will likely run aground. Break it into smaller steps that are manageable for you. If you’re not sure how – put it to the crew. Tell everyone at least one thing you will commit to doing this month to help achieve your goal.

    Them be the rules me Hearties… If you think you’re up to it – put your name below on the ship’s roster and I’ll make sure there’s a cabin on board with your name on it. I run a tight ship – and expect commitment from each and every one of you! We can’t be carrying no stowaways – arggggh! <said in sailor voice haha> Try and check in everyday if you can… it’ll keep you focussed on your goals. Mothernerd has kindly agreed to be my second-in-command for one week in Feb when I have to stop off on distant shores to see family. Rest assured I will keep in touch as best I can and will rendezvous with you all a bit later!
    Last edited by abundant1972; 29-01-2017 at 6:10 PM.
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £6046.13. EF = £2500/£4500
    NST : NSD=0/18 : Food & Spends=£0/£200.00
    Exercise : Joe Wicks 90 Day SSS Plan!
Page 1
    • abundant1972
    • By abundant1972 29th Jan 17, 1:08 PM
    • 1,227 Posts
    • 9,215 Thanks
    • #2
    • 29th Jan 17, 1:08 PM
    • #2
    • 29th Jan 17, 1:08 PM
    NST February : A Winter Voyage : Roster

    1. Bobarella
    2. Mothernerd
    3. Greent
    4. Shyspender
    5. ChasingSunshine
    6. Apple Muncher
    7. Short_Bird
    8. X_Raphael_XX
    9. Misstara
    10. Crazy_Cat_Lady
    11. FurryBeastOz
    12. Dia Pita
    13. Calling14
    14. F0xh0les
    15. Florence J
    16. Seasidegal58
    17. Moll
    18. XSpender
    19. Smallholdingsister
    20. Crazy_lady2009
    21. SkintTeacher
    22. WelshKitty85
    23. Fmess
    24. Bizzie
    25. SpekySquarehead
    26. Thriftycutlass
    27. Toni'sFriend
    28. The Only Girl
    29. Nannygladys
    30. Lauralozzle
    31. Lozzie81
    32. Eager_Elephant
    33. Ilovetea
    34. 1LuckyLady
    35. Abundant1972
    36. LadyKernow
    37. Massa1982
    38. MrsHubbard
    39. SaveForA Better Life
    40. DizzyBlnd
    Last edited by abundant1972; 25-02-2017 at 4:15 PM.
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £6046.13. EF = £2500/£4500
    NST : NSD=0/18 : Food & Spends=£0/£200.00
    Exercise : Joe Wicks 90 Day SSS Plan!
    • greent
    • By greent 29th Jan 17, 1:20 PM
    • 6,902 Posts
    • 70,653 Thanks
    • #3
    • 29th Jan 17, 1:20 PM
    • #3
    • 29th Jan 17, 1:20 PM
    Love it! Count me in please, abundant - looking forward to this, thank you
    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. 2018 OPs (#18) £577.06/£4000
    Net sales 2018 £362.51/£1000 PAYDOX18 (#15) £12808.40/£18694.38
    • shyspender
    • By shyspender 29th Jan 17, 2:54 PM
    • 347 Posts
    • 3,535 Thanks
    • #4
    • 29th Jan 17, 2:54 PM
    • #4
    • 29th Jan 17, 2:54 PM
    *makes my mark on the Captain's log*
    Feb NST #4
    Food £16.55/£200, Fuel £0/£250, Ents £17.47/£180, General £4/£100, SFD 8/15, LTW 11/16
    Debt Free Date Friday 29th March 2014
    • ChasingSunshine
    • By ChasingSunshine 29th Jan 17, 3:12 PM
    • 126 Posts
    • 980 Thanks
    • #5
    • 29th Jan 17, 3:12 PM
    • #5
    • 29th Jan 17, 3:12 PM
    Oh I love this. Have been lurking for months and since we have a nautical theme think it's time I took the plunge and joined in
    • apple muncher
    • By apple muncher 29th Jan 17, 3:34 PM
    • 7,165 Posts
    • 53,899 Thanks
    apple muncher
    • #6
    • 29th Jan 17, 3:34 PM
    • #6
    • 29th Jan 17, 3:34 PM
    Love it. Add me to the list please.
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • short_bird
    • By short_bird 29th Jan 17, 3:58 PM
    • 1,885 Posts
    • 26,567 Thanks
    • #7
    • 29th Jan 17, 3:58 PM
    • #7
    • 29th Jan 17, 3:58 PM
    Abundant, do you need to change your font size, it's gone over the side...
    Cancel the kitchen scraps for lepers and orphans, no more merciful beheadings, and call off Christmas.
    • x_raphael_xx
    • By x_raphael_xx 29th Jan 17, 4:04 PM
    • 3,500 Posts
    • 18,182 Thanks
    • #8
    • 29th Jan 17, 4:04 PM
    • #8
    • 29th Jan 17, 4:04 PM
    Permission to come aboard Capn
    Debt Free as of 17/01/2009 Turtle Power!!
    April NSD's - 4/25 / Lose weight 7.4 lbs / 50 lbs
    EF Challenger #36 £6.25/£2000
    • Calling14
    • By Calling14 29th Jan 17, 4:08 PM
    • 2,683 Posts
    • 19,702 Thanks
    • #9
    • 29th Jan 17, 4:08 PM
    • #9
    • 29th Jan 17, 4:08 PM
    Aye aye Captain count me in please. Can I have #13 so I remember when my number is called to walk the plank. Always wanted to go on a Tall Sailing ship excited, scurrying around getting supplies for the voyage.

    Ooo what to wear decisons;-)
    LBM 13039 1.1.13 Start 2018 £5552 NOW £3387
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 £2165/£5552 DFD 12/18
    Fund #9 £220/£1,000
    1 x 100 days challenge

    • misstara
    • By misstara 29th Jan 17, 4:11 PM
    • 2,677 Posts
    • 18,886 Thanks
    Ace challenge . Count me in.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £906.44 (60.6% paid)
    Car debt Nov 2017 £797.68 Now £576.48 (27.7% paid) + monthly payments £146.82 4/60
    Emergency fund - £40/£1000. Car fund - £77.09/£1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target £132.11/£200. NSD target 10/15.
    • crazy_cat_lady
    • By crazy_cat_lady 29th Jan 17, 4:24 PM
    • 3,422 Posts
    • 29,358 Thanks
    I'm in please Abundant. Thanks for running February.
    DFD 6 Nov 15 - paid £28,447
    • FurryBeastOz
    • By FurryBeastOz 29th Jan 17, 4:39 PM
    • 1,193 Posts
    • 15,845 Thanks
    I'm in please. Being from a nautical family I'll enjoy being back aboard a ship again. Although this will be a bit different from an oil tanker My SIL sailed on a tall ship. Much more interesting. Dead mans switch at 0400 is NOT fun.
    Goals - Weight loss 6/26lb at 22nd Jan 18
    • Dia Pita
    • By Dia Pita 29th Jan 17, 5:00 PM
    • 85 Posts
    • 383 Thanks
    Dia Pita
    Please can I also join the crew many thanks

    Debt Free Aug 15 Mortgage Free Aug 16
    Early retirement 1/10/ 2016.

    • f0xh0les
    • By f0xh0les 29th Jan 17, 5:30 PM
    • 1,357 Posts
    • 11,088 Thanks
    Permission to come aboard Cap'tn?
    A fox on board will keep down the rats and mice and stop your ropes getting gnawed and your flour spoilt.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,000April £107.---
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #161
    • mothernerd
    • By mothernerd 29th Jan 17, 5:49 PM
    • 2,343 Posts
    • 24,364 Thanks
    Absolutely brilliant. Love it, love it, love it. Happy to serve as second in command (rewritten as what I said first sounded a bit rude).
    This year I will be fierce
    NST Apr #3 SFD 11/15 Food £82£120 Travel £18.70/£15 Ent £0/£30 (+ £20 membership fee)
    No Debt No mortgage
    • Florence J
    • By Florence J 29th Jan 17, 5:55 PM
    • 1,889 Posts
    • 11,163 Thanks
    Florence J
    Permission to come aboard captain?

    I love anything nautical and this will keep me on track.
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2195.92
    Pay off all your debts by Xmas 2017 #53 (£3168.45/£3000)
    February 2018 Credit Card Debt: £3885
    • Seasidegal58
    • By Seasidegal58 29th Jan 17, 6:36 PM
    • 1,846 Posts
    • 11,204 Thanks
    Thank you fo running February's thread abundant. I've fallen off the wagon with posting on January's thread so would like to do better this month. Please can I be piped aboard? Am leaving the seaside for a life life on the ocean wave........
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 15/04/2018: £568.60
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Moll
    • By Moll 29th Jan 17, 7:09 PM
    • 195 Posts
    • 1,435 Thanks
    Can I come aboard this month please
    • XSpender
    • By XSpender 29th Jan 17, 7:50 PM
    • 2,931 Posts
    • 30,080 Thanks
    Permission to board Cap'n?

    Great challenge Abundant
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£599.42
    Target Debt Virgin (Me) Part 2 £1038/£1038
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18
    • smallholdingsister
    • By smallholdingsister 29th Jan 17, 8:11 PM
    • 3,591 Posts
    • 30,110 Thanks
    What a great piece of writing!
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