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    • mothernerd
    • By mothernerd 29th Oct 18, 4:20 AM
    • 2,807Posts
    • 30,418Thanks
    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.
    Changing to a Life of Simplicity and Serenity with added rainbows
    NST Mar #6 SFD 7/15 Food 127.55/£160 Travel £10.10/20 Ent 10/12 Diy 10/£10 Ext new glasses?
    No Debt No mortgage
Page 37
    • Toni'sfriend
    • By Toni'sfriend 30th Nov 18, 3:05 PM
    • 1,869 Posts
    • 18,687 Thanks
    NSD 22/15 AFD No 30

    Really pleased with my NSD total - due, I must say, to being really strict about eating from what we already had and I am delighted that we have both managed our Sober November. Let's hope December goes as well.

    Thanks for running November, Mothernerd and for all the inspiration.
    • dolly84
    • By dolly84 30th Nov 18, 4:33 PM
    • 4,344 Posts
    • 40,404 Thanks
    Thanks for running November mothernerd.

    f0xh0les - I always move December's early pay to another account until the normal payday of 26th so we don't have a long January.

    Nothing spent so far today but I am nipping to Asda after tea to get a birthday cake for DD.

    My temporary contract has been extended until the end of January but I'm not sure what will happen after that as it is a bit expensive for them keeping going with the agency and there is talk of advertising a temporary role themselves which I can obviously apply for but the agency would have a problem with me working for the company direct with no fee paid for introduction.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • Kerry Woman
    • By Kerry Woman 30th Nov 18, 4:35 PM
    • 2,695 Posts
    • 27,119 Thanks
    Kerry Woman
    Mothernerd - Thanks for running this month's thread.
    NSD today 22/20.
    The painter came today. Finished living room and hallway. Started bathroom.
    No walking today.
    Self care.
    Frugal Living Challenge 2019
    Mortgage free as of 1st August 2013
    NST March 2019: WINS against the debt NSD 16/20
    • greent
    • By greent 30th Nov 18, 5:15 PM
    • 7,907 Posts
    • 80,473 Thanks
    A few years ago, our council, in their wisdom, distributed recycling bags, instead of bins. This was usually okay while the bags were full, but when empty it was time to play 'hunt your bag' down the street. They quickly changed to bins.
    Originally posted by x_raphael_xx
    Our council - in their wisdom - gave us large green sacks about 10 years ago(woven plastic-y stuff - like 'hippo' bags and the bags you get large (a tonne) deliveries of top soil in) for garden waste - again, once the bags were empty they blew away..... We now have large green wheelie bins for garden waste
    You'd think they'd have learnt...… about 3 years ago they gave us blue sacks for corrugated cardboard. These have a built in weighted bit, so don't blow away *quite* as easily (but still do with the strong stormy winds we've had over the past 18-24 months) However, you are also not supposed to get the cardboard wet. The bags seal by a Velcro strip on the front edge of the top flap. There is no seal on either side edge of the top flap - which is also where the handles are, which weigh the sides down. The bag therefore gapes open each side.... Fine on a sunny day, not so good in weather like this week's...….
    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) £1100/£5K
    Net sales 2019 £54.70/£500
    • greent
    • By greent 30th Nov 18, 5:24 PM
    • 7,907 Posts
    • 80,473 Thanks
    So here it is - the end of November! Phew! Pay day has been and gone and I'm skint again already - but it's a self-inflicted skint-ness, as savings are in place and CCs have been paid in full.

    Thank you, mothernerd, for this month's challenge

    Managed NSD today by virtue of being in work

    Food from stores - have eaten quite a bit of the hanging around random things this month - can only think of 2 items which are just OH's (No one else likes them) and a tub of (ood) custard powder - which I will use to make custard cookies over the hols - creamy and very 'short' and rather yummy

    Now - still tracking food. Will weigh myself at some point, but waistbands are looser.

    Exercise - sat on my b*m at work for much of the day. Wet 'n windy out, so only ventured outside where necessary.

    Extra - none today. Am also going to donate most of unsold items on fb00k/ flebay to CS - start 2019 with a clean slate (except for the slab of granite hiding behind a sofa in the family room - not sure that would be much good to the CS, even if I could get it there! ) However, any sales they (CS) make are gift=aided, so I can use the total in my tax return for the year, so it's financially beneficial to me in a long-winded roundabout way!

    See you all in the Tardis!

    ETA - Extra - just achieved a £3 sale to a friend for a little one on fbook!
    Last edited by greent; 30-11-2018 at 5:57 PM.
    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) £1100/£5K
    Net sales 2019 £54.70/£500
    • apple muncher
    • By apple muncher 30th Nov 18, 5:46 PM
    • 8,484 Posts
    • 65,218 Thanks
    apple muncher
    Today I am grateful for going swimming with dd (she had an inset day at school), for coming straight home (I'm still full of snot), for fleece blankets on the sofas, for making 7 mice, for soup waiting for me in the fridge, for watching Kirstie's handmade Cmas, for balm tissues, for having so more than enough.

    Thank you for november in New York mothernerd.

    I'll be waiting for everyone in the tardis tomorrow morning!
    NST March WINS #1; NSD 13/15; Ex 8/20; craft (12); remove 6 bagfuls (3)

    Mortgage £16,858 (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???
    • Maisie M
    • By Maisie M 30th Nov 18, 7:01 PM
    • 1,519 Posts
    • 14,546 Thanks
    Maisie M
    NSDs - 16/15 – another NSD yesterday but not today as my hair had a severe chop 😊
    ORGANISE your time – doing better yesterday and today so must be getting better
    VALUES –
    ENJOY yourself – had a lovely time getting my hair done and catching up with gossip
    MAKE an inventory of the food in your cupboards, fridge and freezer. Plan your meals around what you have. – all done
    BUDGETS should be set before the start of the month - Food, travel, socialising, personal. budgets all up to date
    EXERCISE 4 times a week, 20 minutes a day. not much today as horrible weather but then I still managed my steps and active minutes
    RULES The more rules you can follow, the more you will save/ have for debt reduction. – fingers crossed

    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. stuff is all together for the car but the locks are a bit intermittent so hubby looking at those
    Stock up with generic painkillers, cold and flu meds - done
    NOW is always the right time to start. having a wine and soda as off shopping Sunday early so I will not be drinking tomorrow night

    NO takeaways, coffee shops, vending machines, canteens unless for a special event. none today
    EVERYONE should know their debt free date. savings date 2021/2.
    WINTER proof your home, if you haven't already done so. curtain poles up and new curtains, but will need to iron them and then get the length sorted as they are too long

    YOU should cook from scratch when you can. all meals home cooked
    OUTSIDE It may be cold but wrap up warm and make the most of the available light. none horrible weather today
    REPORT regularly (daily is best) here
    KINDNESS costs nothing –

    1. Clean out food cupboards and freezers for Christmas and do an inventory
    2. Finish decorating the bathroom
    3. Gut DS1 bedroom and try and find passport which has gone missing since he last used it and passport found

    • Saving Glut
    • By Saving Glut 30th Nov 18, 9:07 PM
    • 185 Posts
    • 1,445 Thanks
    Saving Glut
    NSDs: 14.5/15! Was on rack for 15/15, until OH suggested we attend Christmas Fair.I partipated in competiotion at fair. I was on top of leaderboard for free months gym membership (which I need), which may offset cost.

    Extra Income: £226.27 for November.

    Thanks to and all on this forum - I wouldn’t have achieved nearly as much this month without. This lovely and often, amusing group!
    Last edited by Saving Glut; 01-12-2018 at 1:01 AM.
    IO BTL1 Mortgage was £97,693.54 on 09/08/18; £89,499 on 20/02/19.
    Sealed Pot Challenge 12: #078: £131.64
    Make £2019 in 2019: £777.03 / £2019
    • XSpender
    • By XSpender 30th Nov 18, 9:40 PM
    • 3,295 Posts
    • 33,970 Thanks
    Nothing extra achieved today so stuck on 9/10 NSDs but the EF is intact, most of my Christmas shopping has been done, there is money in a fair few of my YNAB pots and some frogs have been swallowed. I would call that a result

    Thank you for November in New York mothernerd it inspired me to sign up for a turtles challenge again after a long time away and I have really enjoyed it and the support of the other turtles.

    See you in whatever dimension we end up in tomorrow
    £19,914.15 at 28/12/18, £21,259.23 at 28/01/19, £21,083.50 at 28/02/19
    • lcc86
    • By lcc86 30th Nov 18, 10:11 PM
    • 1,120 Posts
    • 4,488 Thanks
    Final NSD today which takes me to 18, and that's 3 more than I'd hoped for. Positives are that all budgets done for December, negatives are that my EF took a major hit with the car repairs. But such is life.

    Also managed a gym class this evening, need to step that up a bit through December! Not sure if I'm going to do the challenge but I'll keep up the MSE ways of course! All the best turtles. - my original diary
    £0/£1000 EF £250 saved for household jobs £1070 on credit card
    • laurenh1
    • By laurenh1 30th Nov 18, 10:56 PM
    • 700 Posts
    • 8,061 Thanks
    Thanks for a lovely trip Mothernerd xx
    • sashanut
    • By sashanut 30th Nov 18, 11:39 PM
    • 3,052 Posts
    • 28,737 Thanks
    No 15 checking in
    Hi all

    Many thanks to Mothernerd for running the challenge, it has really helped to be accountable....see you all on December's thread.

    Up early to let gas man do his stuff on the fire and we now have a working fire & can have the family party in there next week, it's great! Have not seen the bill yet though....Then had to get ready for the dreaded visit to MIL, have to say we were slightly hysterical on the way there. It wasn't an easy time, but amazingly she had made lunch - ham sandwiches, quiche & tea (also sliced tomato with the middles removed - and sliced raw onion). She commented that she'd not put the tomato & onion in the sandwiches, just in case we didn't like them This is the first time in 30 years she has made a meal. I've never had a cooked dinner this is progress. And she then gave DD an envelope full of cash when we left, wow.

    NSDs Final total 14/15

    ORGANISE your time. Had a simple supper so not much cooking & also managed to put border on to walls in downstairs toilet. Discovered do not have enough border so have to order more, but am pleased with the result.

    VALUES Differentiate between needs and wants. Amazingly, no spends today.

    ENJOY yourself. Fun time with family on car journey both there & back, also outside to cut some more foliage to make decorations till it started raining.

    MAKE an inventory of the food in your cupboards, fridge and freezer at the start of the month. Frog. Lunch was provided by MIL & supper was HM risotto.

    BUDGETS should be set before the start of the month. Frog alert!

    EXERCISE 4 times a week, 20 minutes a day. Out with beasts for 20 mins.

    RULES Turtle rules can be difficult at first. Following the plan as best I can.

    IN case of emergency Add any items you might need Need to check car kit.

    is always the right time to start. Reasonable today.

    NO takeaways, None today

    Am DF but always could do with more savings towards experiences or holidays. Have some funds I need to pay back to business account, also for items bought in last spending spree... so need to account for those items by December 31. Pending. Frog.

    EXTRA Have a ton of stuff that needs to be sold. Back from hols but not dealing with as yet, after weekend out will do. Frog Alert.

    WINTER Did some DIY today, hopefully some each day.

    YOU should cook from scratch, supper was all cooked from scratch.

    OUTSIDE Briefly

    REPORT regularly I'm here..

    KINDNESS Tried to be kind to MIL. Not easy.

    Go Turtles !!!!
    New start JAN15 - NOT BUYING IT 2015 . Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE
    • plumduff55
    • By plumduff55 30th Nov 18, 11:56 PM
    • 589 Posts
    • 5,744 Thanks
    My last post for November and just in the nick of time .

    NSD Total is stil 20/20 and I'm very happy with this.

    ENJOY - I've enjoyed an evening at my friends, Had a great time watching I'm a Celebrity and blethering.

    EXERCISE - A bit of walking around town.

    NO - Had takeaway pizza and chips but Mum paid for it.

    OUTSIDE - Yes but not very enjoyable in the rain.

    I feel I've done really well this month - hope it continues xx
    Debt free - Mortgage free - Work free ( in that order )
    • GlendaSugarbean
    • By GlendaSugarbean 1st Dec 18, 8:15 AM
    • 485 Posts
    • 3,694 Thanks
    Well I ended the month on 12/15 NSDs, not bad bit could be better. Budgets looking ok, but as I was paid on the 21st and have some Xmas shopping yet to do, I need to keep a sharp eye on things.

    Thanks so much to Mothernerd for steering us through November with your words of wisdom, here's to as frugal a December as we can manage!
    • crazy_cat_lady
    • By crazy_cat_lady 1st Dec 18, 8:29 AM
    • 4,578 Posts
    • 39,758 Thanks
    Just want to say a massive thank you to mothernerd for a fantastic New York November. It's been inspirational during a difficult month for me. See you in the Tardis everyone!
    NST March Wins #9 nsd = 7 1 debt vs 100 days #5 £50/£553 Pay all your debt by Xmas '19 #56: £997.60/£5750
    • ponypal
    • By ponypal 2nd Dec 18, 10:38 AM
    • 128 Posts
    • 1,094 Thanks
    Thanks for inspiring me through November! I managed 26 No Spend Days and am SO HAPPY it's December !
    March 2019 NSD Total so far: 7
    Debt Free since December 2017
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