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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Oct 18, 4:20 AM
    • 2,589Posts
    • 27,350Thanks
    mothernerd
    Nst november in new york
    • #1
    • 29th Oct 18, 4:20 AM
    Nst november in new york 29th Oct 18 at 4:20 AM
    NST NOVEMBER IN NEW YORK


    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.

    THE RULES


    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 11/20 Food£99.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
Page 15
    • Kerry Woman
    • By Kerry Woman 9th Nov 18, 5:37 PM
    • 2,536 Posts
    • 24,904 Thanks
    Kerry Woman
    Thank you for the kind words.
    NSD today - 7/20.
    Went for walk in park. Talked to a couple of people, 2 I knew, 1 did not know.
    Think I have done most of the packing for my mini break. Only the toiletries to be done in the morning.
    Used up some food today as they will not last until I come back. Will be using up the last of them before I leave for my overnight stay at a hotel near the airport. Did get a discount for the booking. My flight is at 7.15am on Sunday morning.
    Did self care and no computer games.
    Did a couple of surveys and entered a few competitions.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    Nst november in new york NSD 13/20
    • dolly84
    • By dolly84 9th Nov 18, 5:42 PM
    • 4,080 Posts
    • 37,743 Thanks
    dolly84
    I am so glad that I am vegan, if I wasn't in my current temping job I would probably be about a stone heavier. Today was massive slices of homemade chocolate cream cake, then there was cheese bread, plus all the biscuits, chocolates, sweets and crisps. I just had one of their bananas at lunchtime.


    No spending today but there is time yet I suppose. I'm in my pj's and looking forward to a glass of wine.


    Don't remember if I mentioned that we got new mattresses for DH and me and DD, we still haven't received the refund for the ones that they wanted to deliver 3 days early and I imagine I will have to call them up again on Monday - bit of a nightmare with that. Anyway we slept on the new ones last night and DH and DD were fine but I wasn't sure but they do say it takes a while to get used to a new one.


    Pay day for me today so that money was transferred into our home improvements account.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • mothernerd
    • By mothernerd 9th Nov 18, 5:57 PM
    • 2,589 Posts
    • 27,350 Thanks
    mothernerd
    Easy wins. Could only brave the kitchen by focussing on one job ata time and ignoring everything else. Gathered all the recycling (plastic/ jars/ cans) including all the takeaway cartons on the stove and worktops and put it all in the bin. Apologies, especially to Dolly84, I do normally reuse them all and apologies to the bin men because I normally rinse everything that goes in that bin (voluntary not obligatory) but there was just too much.


    4 bags for life later (only used for collecting and carrying - they haven't gone in the bin) started rounding up stuff thet should have been in the bin including all the ripped open plastic carriers, paper, polystyrene and 'flavour' sachets from noodles - again piled up on the stove and both worktops.


    Checked the washing machine and decided to redo the load in there with a generous slug of white vinegar. Put a second load in later, and took the first load into the front room (put on the radiator and airer later).


    Loads of washing up done. Had a walk round the garden and cut anything that was easy to reach. Have left a (stuck on baked beans) pan inside a small plastic bucket, inside the mixing bowl all soaking and two more pans on the side (one with burnt on stuff - have already soaked and scubbed it about six times so not much left to come off).


    Similar number of pans and the 'non stick' interior of the ricer already dealt with. Put a bung it in meal in the oven. Stove and worktop were clear enough to collect the knives (cutting and spreading) and utensils left there (21) and washed them (the bean pan was hiding there as well).



    Have eaten and am dressed for the concert. It's at mum's church and will probably be raffle tickets so no NSD for me. last year they sold off leftover pasties and cake in £1 bags. Will buy some if there are any as would be good grab and go food for tomorrow's continued assault on the kitchen (today was mostly ys olive loaf (10p) with the remains of the cheese spread).


    Hoping that once I have some space (and some clean pans - seriously considering hiding mine so that when all theirs are dirty they will have to deal with them rather than using all mine as well) I can eat/ make some more meals using the contents of the freezer, maybe hack off some of the ice and then make a decision on when to switch off, clean and restock.


    Going to see if the machine is finished and I can bung another load of washing in before my lift arrives.


    Today I am grateful for soft toys (not large ones), for good simple food and for making a difference despite my ache and pains and having to do things in small 'bites'. Toni'sfriend remind me to discuss frogs and elephants.
    This year I will be fierce
    NST Nov #1 SFD 11/20 Food£99.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
    • the cross rabbit
    • By the cross rabbit 9th Nov 18, 6:48 PM
    • 223 Posts
    • 1,305 Thanks
    the cross rabbit
    8th Nov 18, 5:05 PM
    Hi mothernerd. Love today's inspiration post thought about it on and off all day decided that I would prefer to be a lotus flower than a teddy bear. I don't want some child rubbing their nose on top of my head to scent mark me (my DD1 who is 16 does this to her bear and I'm not allowed to wash it as I might damage the rattle).

    NST will aim for 15. 5/15 nearly lost a nst today as need butter for my Christmas cakes but decided to wait till tomorrow as we buy a paper on a Saturday.

    ORGANISE your time. Will try and find a balance between studying,household chores, family time and me time. Have designated Friday as the night to encourage DH to cook

    VALUES. Ultimate goal is to continue to OP the mortgage but to keep in mind ethical, environmental and family values.Walked and litter picked for about 2 miles today, interestingly enough it was a topic on the Jeremy Vine show today. This was because of a documentary on Prince Charles and his children talked about going on holidays and they would go out and pick up litter, so it would seem royalty and I have a common interest

    ENJOY yourself. Try and do something everyday that I enjoy. spoke to my baby sister about us possibly going to the goth weekend in Whitby next year. Love planning holidays

    MAKE an inventory of the food in your cupboards, fridge and freezer at the start of the month. Done for the week at last . Meal plan and shop from the cupboards, freezers and allotments first before visiting supermarkets.

    BUDGETS should be set before the start of the month. Already done will log spends on here and look at, at the end of the month.Will aim to buy something for the food bank every week.Still not done this but will try to remember when I go shopping

    EXERCISE will aim to walk for an hour everyday with the dog.see values

    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. still need to sort the cars

    NOW is always the right time to start.will aim to have more faith in myself.Yes yes yes

    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. None bought today

    EVERYONE should know their debt free date continuing to pay bank of mum (Nov 2019) and OP the mortgage (another 17 and half years).Another TT of 91p

    WINTER proof your home, if you haven't already done so. Need to hang new thicker curtains in dining room- still on the list

    YOU should cook from scratch when you can (unless time is short or it costs more to make) and batch cook.Will aim to do this at least 5 days out of 7. 7/5 tonight is another extra day - jacket pots,beans and cheese for tea
    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.see exercise started taking vitamin D tablets to keep the winter blues away as at this time of year we don't get the right type of rays.

    REPORT i'm here

    KINDNESS costs nothing. Everyone you meet is carrying some sort of burden, so try to be kind, especially to yourself.ok
    CRx
    Last edited by the cross rabbit; 09-11-2018 at 6:51 PM.
    Mortgage £82,000, due to end July 2036. 4/11/18 Mortgage £79,872.13
    • greent
    • By greent 9th Nov 18, 7:00 PM
    • 7,533 Posts
    • 76,537 Thanks
    greent
    Days 8 & 9 - 2 for the price of 1 :)
    NSDs Now 3 NSD and 2 XSD.

    ORGANISE your time. Went to accountant to talk through some queries - worth the trip to save wasted time/ incorrect filing. Stripped 2 beds, saving me from doing that this weekend. Planning on an evening of nothing once smalls are in bed

    VALUES (Want - If I get to 8K OPs I am starting my 2020 Florida fund early.) Looked at some shops after accountant (town centre) visit - no spends. Could have easily bought things for the sake of it but resisted.

    ENJOY yourself.

    MAKE an inventory of the food. Yes, done

    BUDGETS Donated toiletries to homeless mission. Spends: Groceries 75.91, Medical 6.50, Xmas 127.24 (incudes £45 voucher from cashback used), Parking 1.00, DIY/ House 11.09, Car maintenance 6.50, Newspaper 3.00. Spent Weds on Xmas bits - will add to totals another time (receipts not to hand) and yesterday on Xmas, food and a magazine for smallest.

    EXERCISE 10k steps today.

    RULES


    IN case of emergency I STILL need to put details of my breakdown cover in car as backup. WIll also put another blanket in.

    NOW is the right time. Logged food and drink again today. Need to add in actual 'proper' exercise - eg walking would be a start!

    NO takeaways etc - None today. OH came home with a takeaway last night - but is claiming it as expenses after a 4.5hr journey (usually 2) meant he got home much later than planned. Therefore not counting that!

    EVERYONEshould know dfd. Only debt is BTL mtge which we are OP-ing. EXTRA - still need to list a couple of bits on fb00k/ flebay.

    WINTER proof your home,- Have got a chap later in month to re-hang kitchen radiator and also service the boiler. OH needs to rehang rear lounge curtains.

    YOU should cook from scratch. Yes.

    OUTSIDE Not really - but it's been rather wet here...

    REPORT regularly - here

    KINDNESS costs nothing.
    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) £7127.06/£7500
    Net sales 2018 £724.53/£1000 PAYDOX18 (#15) Done £18918.90
    • plumduff55
    • By plumduff55 9th Nov 18, 7:26 PM
    • 497 Posts
    • 4,565 Thanks
    plumduff55
    I'm signing up to be a teddy bear!
    Originally posted by apple muncher
    So am I 🐻 xx
    Debt free - Mortgage free - Work free ( in that order )

    NST November in New York 14/20
    • XSpender
    • By XSpender 9th Nov 18, 7:28 PM
    • 3,133 Posts
    • 32,174 Thanks
    XSpender
    Teddy bear please. You cant have enough cuddles in my opinion.

    NSDs - 3/10 didn't spend yesterday but spent today

    ORGANISE your time - writing a list for the weekend and next week. Started thinking about DS Christmas presents and got DH to get Argos catalogue for inspiration. Remembered a good idea I had for friend's daughter's gifts and scribbled on back of my shopping list walking around asda so I didn't forget! Planning to sort out room of doom no.2 this weekend.

    VALUES - TT all the odd pennies to my overpayment pot from all my YNAB categories

    ENJOY yourself – doing nothing after a busy week tonight. May have an ice cold beer

    MAKE an inventory will make a start on this at the weekend. Did check it before I went shopping

    BUDGETS – YNAB updated

    EXERCISE - none today

    RULES – sticking to 'em

    IN case of emergency – forgot to get screen wash at asda

    Stock up with generic painkillers, cold and flu meds – need some lemsip and a woolly hat for me!

    NOW – poor eating/haven't eaten much last 2 days. Must get back on it tomorrow.

    NO takeaways – Had a McD breakfast but work paid

    EVERYONE Aiming for June 2021 (while I'm still 50) at the latest

    EXTRA income – nothing earned today

    WINTER proof your home – Hive schedule still to be set but new pump and door sausages making a real difference to temperature. Need to rehang dining room and breakfast room curtains

    YOU should cook from scratch -don't ask about thurs and fri

    OUTSIDE – school run x 2

    REPORT – here I am! Was far too tired to post last night after long traveling day with work

    KINDNESS - making an effort to say hello to people I see everyday on school run
    CC 1 £2000 CC2 £12,465.53 Furniture £1629 Carpets £1103.36 (23 months left) - Total at 16/11/18 £17,197.83 all at 0%

    Small EF 100% Big EF 0% Holiday 0% Garden 0% Carpets SIF Fund £87.82
    • plumduff55
    • By plumduff55 9th Nov 18, 8:20 PM
    • 497 Posts
    • 4,565 Thanks
    plumduff55
    NSD - Today I was spending so I'm still on 6/20.

    ORGANISE - I still have lots of sewing to do for Christmas so I must get organised and spend at least 2 days sewing each week or I'll not get everything done. My problem is I spend too much time gallivanting

    ENJOY - I enjoyed a day out to Glasgow with my friend today.

    EXERCISE - I walked around Ikea for an hour and around the city centre so I'm thinking this could be classified as exercise

    NOW - Not very healthy today as I had chips smothered in tomatoe sauce at Ikea. Also a delicious cake

    EXTRA - still on my to do list.

    OUTSIDE - walking around city centre - does that count?

    REPORT - Here I am.

    Will do better tomorrow 🤞 xx
    Debt free - Mortgage free - Work free ( in that order )

    NST November in New York 14/20
    • Maisie M
    • By Maisie M 9th Nov 18, 8:43 PM
    • 1,469 Posts
    • 13,890 Thanks
    Maisie M
    NSDs - 7/15
    ORGANISE your time. did some washing and some tidying up when I got home
    VALUES
    ENJOY yourself. beautiful sunrise this morning which even both boys appreciated
    MAKE an inventory of the food in your cupboards, fridge and freezer. Plan your meals around what you have. – on my to do list for the weekend
    BUDGETS should be set before the start of the month - Food, travel, socialising, personal. updated DD spreadsheet
    EXERCISE 4 times a week, 20 minutes a day. 111 minutes so far today.
    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. change on this as we have just got a new (to us) so will need to get the car checked out for winter.
    Stock up with generic painkillers, cold and flu meds - to do
    NOW is always the right time to start. still no alcohol 😊

    NO takeaways, coffee shops, vending machines, canteens unless for a special event. none
    EVERYONE should know their debt free date. savings date 2021/2.
    WINTER proof your home, if you haven't already done so. nothing more done on this so far

    YOU should cook from scratch when you can. done
    OUTSIDE It may be cold but wrap up warm and make the most of the available light. walked to and from school
    REPORT regularly (daily is best) here
    KINDNESS costs nothing spent ages with DH trying to fix school sound system

    • apple muncher
    • By apple muncher 9th Nov 18, 8:57 PM
    • 7,940 Posts
    • 60,189 Thanks
    apple muncher
    Today I am grateful for doing plenty of walking, for dd trotting happily in to school, for the lovey lady who rang my phone when I discovered I had lost it and located it at the pharmacy where I'd just been, for awesome charity shop finds (2 perfect mugs for dh; CAT back hardly worn boots for me; 6! items of clothing for dd, all for under £10), for mr google taking us round the congested roads, for attaching 16 bunny legs, for finishing off 8 santa faces, for Poirot.
    NST November New Yorker #8; NSD 13/15; Ex 6/21 ; craft 56 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Saving Glut
    • By Saving Glut 9th Nov 18, 9:33 PM
    • 96 Posts
    • 717 Thanks
    Saving Glut
    NSDs: 5/15

    Extra Income: Sold final three lamps to a single buyer today, increasing October total to £169.23.

    Kindnesses: Doing little kindnesses for OH most days: breakfast in bed, chores, bought a little tub of American sweets for her to tuck into while watching the US mid-terms etc. I didn’t mention I was making extra effort, but it resulted in a surprise bag of mini chocs in my handbag this morning (which I duly distributed amongst colleagues) and a surprise card when I got home.
    Last edited by Saving Glut; 10-11-2018 at 6:37 AM.
    IO BTL1 Mortgage was £97,963 on 09/08/18 and was £91,999 on 14/11/18.
    • laurenh1
    • By laurenh1 9th Nov 18, 9:34 PM
    • 626 Posts
    • 6,907 Thanks
    laurenh1
    Thinking of you this weekend Kerry woman


    NSD- still on 6 because hub neglected to tell me we needed juice when I went shopping & then bought some this afternoon. Still think I can make 8 this week though.
    Orgsnise-- sorted through my xmas boxes, so I knew what I need to buy, plenty of crackers & ribbon left over & I'm going to use some little cards left from years gone by instead of buying tags.used Boots points to get a load of free wrapping paper , which I will collect tomorrow.

    Budgets-£109 left

    Values-- paid another 100 off the car that came in unexpectedly. Total now £7896. Hoping I can get that to £7k by new year
    Outside- took LO to collect leaves for a collage-- so much fun
    report-- hello


    Think that's it from a very tired me!! just keep plodding Turtles
    • Karmacat
    • By Karmacat 9th Nov 18, 9:43 PM
    • 30,075 Posts
    • 174,412 Thanks
    Karmacat
    ORGANISE your time.
    Didn't do very well at this - too lopsided in terms of too much genealogy, taking advantage of a free weekend, plus a new local interest group in the afternoon. Thats okay.


    VALUES

    This is a weird one - the little local voluntary groups I'm starting to go too have coffee and tea, and you make a donation, very low, 30p. But I don't *like* the coffee and tea at events like this, and they're only two hours long max, with 15 minutes walk each way. Its a victory for common sense!


    ENJOY yourself.

    Yep!


    BUDGETS
    Nope ... I'm feeling the lack. Haven't checked my post to see if the new sim has arrived yet.


    EXERCISE

    Walked there and back to the group I went to today, but thats only 30 minutes total. Bit bad on this today.


    IN case of emergency
    I took my phone and cc with me, hurray.


    OUTSIDE Not really - but it's been rather wet here...
    What greent said


    REPORT regularly - here

    KINDNESS costs nothing.
    Wasn't planned, but at the genealogy group I was sitting next to an elderly gentleman who had a lovely spiffy Surface machine, but didn't know how to download. So I looked on Ancestry for what he wanted, downloaded it, and sent it to him then and there.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    • thriftylass
    • By thriftylass 9th Nov 18, 9:55 PM
    • 3,445 Posts
    • 28,641 Thanks
    thriftylass
    Had a nice slow cooker sausage and bean casserole for tea (£1 a person/meal if not less actually) and now sitting crocheting. DD got this lovely knitted hoody when she was 2, hated it. Now at 4 years old she loves it but the sleeves are too short, luckily she's a skinny one and it still fits. So I'm crocheting sleeve extensions. My gran would be so proud.
    NST Nov in NY
    SFD8/20 spends 360/430
    Exercise 7/20
    Debt - all 0% 500 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 100504 (11/18) OP 0
    • mothernerd
    • By mothernerd 9th Nov 18, 10:02 PM
    • 2,589 Posts
    • 27,350 Thanks
    mothernerd
    Goth weekend is fabulous (I only went for the day).


    THe man who ate a frog
    There was a man who ate a frog every morning. When he was asked why, he said that, having eaten the frog, everything else he needed to do in the day seemed easy in comparison.


    In our terms, a frog is any task we have been putting off, often because it's something that makes us feel uncomfortable - a phone call or letter that we don't want to mess up, an apology owed or a misunderstanding to sort out or a physical task that makes our heart sigh. The more we put it off, the more fearful and difficult the task seems.



    FROG Challenge (optional)
    This weekend we are having a frog challenge. Identify your frog or frogs. Aim to tackle one in the next few days or if this is not possible, during the month. If you cannot manage either, try to identify your frog and work out why it's become such an issue - work out when and how you can tackle it. It's often worth having a frog list so that you can tick something off when you have time available.


    My frog is the kitchen although this is actually an ELEPHANT. How do you eat an elephant - one bite at a time. So any huge overwhelming tasks are elephants and should be broken down into small individual tasks and you nibble away at them whenever you can.


    I should explain that I am not the world's best housekeeper but my kitchen didn't become a nightmare overnight. I did keep it in reasonable order for many years, although occasionally this required a once a week or once a month extra push.


    Over time I had pared down the kitchen to the basics. I had a small saucepan (custard, milk, beans, boiled eggs), a large saucepan (mash, veg for large meals (have two steamers and a bain marie which fit on top) and two 10l stockpots (for making most batch cooked meals which are then portioned and frozen).


    The frying pan and two good (le crewsay) pans went to his new flat with DS2 (I recognised that they were getting too heavy for me to handle comfortably), utensils were whittled down to one of each and only the ones I needed and DS2 also got the goblet mixer with the coffee grinding attachment as I found that billy blender coped with anything that I couldn't do faster by hand.


    The kettle , toaster and blender were my gadgets, only had a microwave on and off and the one I have now was stored in someone's garage.


    Two years ago Beloved (she's DS3's Beloved) moved in with the 3 grand chinchillas (actual chinchillas though they serve as grandchildren substitutes). She is a gadget girl. We acquired at least 10 new kitchen gadgets overnight and another 6 or so have arrived since. We have slushie makers and ricers (a pot that cooks rice, not the julienne type thing), mixers, grills - I really don't have a clue what most of them do.



    I found cupboard space, gadgets came out onto the (limited) worktop and stayed there. In January I consulted and bought some 'storage' (spice racks, dishracks, over microwave shelf thing). I arranged things on shelves (half a dozen different tea bags on a shelf above where the kettle is), brought a small table down from upstairs and tactfully suggested that gadgets that weren't neededd every day could be located there (it's half under the stairs but the table is narrower than a standard worktop and there are lots of extra plugs there - I originally had a chest freezer, microwave and fridge/freezer under there).



    Most days I go to my mum's at lunchtime and come home between 7pm and 9pm. DS3 and Beloved stay home, sometimes cooking, otherwise living off takeaways and when I get home everywhere is messy. I was keeping on top of things but every time I am ill, I get a little further behind and a tipping point has been reached. I felt so tired and unwell, that I just didn't know where to start.


    Please don't start telling me I have to have it out with them (I know, but also know it has to be handled very carefully).


    When they went away for the weekend I did a lot in their room but I'm so slow these days that I didn't get to the bottom of it and barely started on the kitchen. Happy with what I've done today and hope to get (much) more done over the weekend then I will feel in control again. And get to cook and enjoy it.


    So elephant sized frog for me, you choose what or if you can do (or just enjoy yourself, no pressure, it's optional).


    Also especially for zero waste Dolly84, I feel extremely guilty about the plastic, I have been a keen recycler for over 40 years since the days when my only option was to trail to the council tip and then lift 4 children in turn to put each bottle and jar into the correct container.


    However in our borough we have a factory which was originally a remploy factory (employed disabled people to make furniture). Over 20 years ago it had a Council led revamp (I think Remploy was a casualty of the Thatcher years) and now a wide range of differently able people make recycled plastic items - garden gates and benches and a range of large planters like the ones used on the Town Hall square (bottom cube a metre square with 2 other cubes above. All extremely hard wearing and useful.


    Since the Council led the initiative (probably a trust nowadays) I presume that as much of our plastic waste as possible is used there. please don't make me go out in the dark and bring it all back in and wash it (and put the takeaway containers back in the cupboards).


    Concert was brilliant, much better than I was expecting (community choir did some classical pieces and the readings were very thoughtful and thought provoking).


    Forgot about cleaning the bath. Have been doing bits at it all week, multitasked by spraying stuff at it, did bits of bending and rubbing but not happy with the result (or the pain). Today I put muscle soak bubble bath in my bath, found an abrasive sponge (actually purpose built for baths but had disappeared for a long time and rubbed round (dirty bit was above the water level) gently before I got out - success. Must remember to write it down (maybe a once a month job) as it works and it's painfree for me (can easily reach all areas of the bath with my left hand if I shuffle up and down a bit).
    Last edited by mothernerd; 09-11-2018 at 11:45 PM.
    This year I will be fierce
    NST Nov #1 SFD 11/20 Food£99.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
    • lcc86
    • By lcc86 9th Nov 18, 10:16 PM
    • 1,108 Posts
    • 4,305 Thanks
    lcc86
    NSD number 6 to report. Sent a few pennies to my savings and put all my change in my money box to be changed up at the end of the year.

    Did loads of housework/washing/slow cooking today. Dyed my hair with henna and went through everything I'd accumulated that needed filing/throwing. Hung a mirror in the bathroom, got some studying done and went to the gym. All in all a productive day. More of the same needed tomorrow!

    Hanging the mirror made me realise I've barely done any of the housey jobs I wanted to do this year, so that's my biggest target for next year! Nothing major but no sense putting it off. I should have the money available for this now but clearly I'm not being as sensible as I should be!
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    £720/£1000 EF £470 saved for household jobs
    Debt free and in the black for the first time in 11 years
    • mothernerd
    • By mothernerd 10th Nov 18, 7:15 AM
    • 2,589 Posts
    • 27,350 Thanks
    mothernerd
    Day 10 Inspiration
    Day 10


    Kermit the Frog Quotes


    It's nice to be important but it's important to be nice.


    I think the best way to find happiness is to stop looking so hard


    Dreams are how we figure out where we want to go. life is how we get there.


    Common sense is a flower that does not grow in everyone's garden.


    Some people just need a sympathetic pat on the head .... with a hammer.... many times




    Elephant Wisdom


    Advice from an elephant
    Make a big first impression
    Don't work for peanuts
    Be all ears
    Know when to put your foot down
    Be gentle, no matter your size
    Have big ideas
    Charge ahead


    The Elephant
    Traits associated with the elephant are stength, wisdom, solitude, loyalty and intelligence.
    Elephants attain old age and are very wise. They are highly acknowledged for the strength and power. Elephants have the largest brains in the animal kingdom.
    This year I will be fierce
    NST Nov #1 SFD 11/20 Food£99.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
    • apple muncher
    • By apple muncher 10th Nov 18, 7:46 AM
    • 7,940 Posts
    • 60,189 Thanks
    apple muncher
    So now I want to be an elephant!

    Glad you found goth bunny, mothernerd. You have made a place for ds3 + beloved + the grandchinchillas where they are loved and welcomed. You accept them just as they are and do not try to make them fit another mould. You are awesome!!
    NST November New Yorker #8; NSD 13/15; Ex 6/21 ; craft 56 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • GlendaSugarbean
    • By GlendaSugarbean 10th Nov 18, 8:17 AM
    • 274 Posts
    • 2,007 Thanks
    GlendaSugarbean
    Checking in - not a NSD yesterday due to laundry pods and a few other bits. It's going to be a spend day today as well - so Sunday needs to be NSD which will require a Plan.

    Mothernerd: thank you for the inspiration . You are doing a fab job. I understand wanting to care for DS3 but you do need to look after your own health and well-being. Can you find a compromise where they spend a little time (kitchen timer might help?) clearing up each day and you do the bigger jobs when you can? When I'm feeling overwhelmed I use the UFYH app and the 20 minute timer - you can do a lot in 20 mins if you focus, and 20 mins is far more doable than being faced with a giant amount of stuff. Anyway you know your own situation best
    • laurenh1
    • By laurenh1 10th Nov 18, 8:26 AM
    • 626 Posts
    • 6,907 Thanks
    laurenh1
    Hello lovelies



    Today is NSD #7. The only thing I need to buy is medical.

    Values/ excersize- walking into town, it's a couple of miles but I feel sluggish & parking is always a nightmare. Plus it will save on fuel. I am hoping that if I'm careful some of my fuel budget can go towards paying off the car.

    Kindness- will take my friend some eggs.
    Have fun- bit of a long term thing but hoping to have enough club card vouchers in Feb to get my English Heritage membership again. I'd like £75 worth so I need £25 to trade up. I currently have about £21. Keeping a close eye on them. Also planned a day out to Beamish next weekend, there xmas event starts then & I am keen to use my pass again before it runs out. We get military discount & its not too far from us so it has been very good value for money so far & because we've been in different seasons & when different events are on its been different for the kids every time!



    Frogs- I will certainly take on this challenge!
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