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  • FIRST POST
    • mothernerd
    • By mothernerd 25th Sep 19, 1:46 AM
    • 3,121Posts
    • 33,960Thanks
    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 1
    • mothernerd
    • By mothernerd 25th Sep 19, 1:48 AM
    • 3,121 Posts
    • 33,960 Thanks
    mothernerd
    • #2
    • 25th Sep 19, 1:48 AM
    • #2
    • 25th Sep 19, 1:48 AM
    Reserved for contenders

    1 mothernerd
    2 apple muncher
    3 f0xh0les
    4 misstara
    5 dolly84
    6 Purplesocks
    7 SSDD23
    8 Bluetulip1980
    9 Karmacat
    10 sashanut
    11 ccl
    12 doingitanyway
    13 shabbychic12
    14 greent
    15 Narola1976
    16 thriftylass
    17 EJM2019
    18 quintwins
    19 Xspender
    20 Dottydaisy
    21 bizzie
    22 craftingmad
    23 PheoniX
    24 Justforme
    25 Chrystal
    26 LINKYPIE2009
    27 Lady_M
    28 laurenh1
    29 abundant1972
    30 hummingbird15
    31 X_raphael_xx
    Last edited by mothernerd; 01-10-2019 at 9:49 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
    • apple muncher
    • By apple muncher 25th Sep 19, 6:42 AM
    • 9,471 Posts
    • 72,781 Thanks
    apple muncher
    • #3
    • 25th Sep 19, 6:42 AM
    • #3
    • 25th Sep 19, 6:42 AM
    I wanna be a mud man! Count me in!
    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???
    • f0xh0les
    • By f0xh0les 25th Sep 19, 7:49 AM
    • 2,618 Posts
    • 24,279 Thanks
    f0xh0les
    • #4
    • 25th Sep 19, 7:49 AM
    • #4
    • 25th Sep 19, 7:49 AM
    I have not seen GOT, so I do not know who I am yet.

    But I am up for this month.

    Will do research and be ready to start on Monday. Monday! October already.

    Game of Turtles!
    MFW#65 5/16 118,3 10/17109,4 12/17 108,85/18106,9 6/18105,9, 8/18103,9 9/18102,9 10/18101,9 11/18101,3 12/18100,7 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 95,51/1194,999.99L&C Referal code- https://referme.to/GNNHtJo
    • Toni'sfriend
    • By Toni'sfriend 25th Sep 19, 8:21 AM
    • 2,286 Posts
    • 22,703 Thanks
    Toni'sfriend
    • #5
    • 25th Sep 19, 8:21 AM
    • #5
    • 25th Sep 19, 8:21 AM
    I'm on holiday for most of October so can't join in. But I'll be cheering on from the sidelines.
    • misstara
    • By misstara 25th Sep 19, 8:48 AM
    • 3,245 Posts
    • 23,404 Thanks
    misstara
    • #6
    • 25th Sep 19, 8:48 AM
    • #6
    • 25th Sep 19, 8:48 AM
    Please count me in
    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 25th Sep 19, 9:59 AM
    • 4,839 Posts
    • 44,665 Thanks
    dolly84
    • #7
    • 25th Sep 19, 9:59 AM
    • #7
    • 25th Sep 19, 9:59 AM
    I'm in mothernerd. Thanks for the new challenge. I've tried to watch the first episode of GoT twice now but can't get past the first half hour so I'll settle for not having a clue what you are talking about - nothing new there though.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • Purplesocks
    • By Purplesocks 25th Sep 19, 10:16 AM
    • 24 Posts
    • 114 Thanks
    Purplesocks
    • #8
    • 25th Sep 19, 10:16 AM
    • #8
    • 25th Sep 19, 10:16 AM
    Please can I join?

    I’ve lurked on this thread for ages but never taken the leap of joining, this months challenges fit perfectly with my own aims for this month. So the accountability and support of posting will be a huge boost.

    Many thanks
    • SSDD23
    • By SSDD23 25th Sep 19, 10:47 AM
    • 1,600 Posts
    • 5,107 Thanks
    SSDD23
    • #9
    • 25th Sep 19, 10:47 AM
    • #9
    • 25th Sep 19, 10:47 AM
    Please count me in again xx
    Debt Target #08 - 329.76/489.06 (67%)
    Debts busted: 7/10
    NSD Target: 4/15
    Annual Car Costs Fund: 218
    • mothernerd
    • By mothernerd 25th Sep 19, 11:17 AM
    • 3,121 Posts
    • 33,960 Thanks
    mothernerd
    I'm in mothernerd. Thanks for the new challenge. I've tried to watch the first episode of GoT twice now but can't get past the first half hour so I'll settle for not having a clue what you are talking about - nothing new there though.
    Originally posted by dolly84
    Are you saying I talk a load of *$^*!!! dolly. To be honest I wasn't sure it was even comprehensible. I was just so anxious to get it down before the laptop went awol again. Kat often did threads based on films or tv series (I had to read the Hunger Games books as a result).
    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
    • mothernerd
    • By mothernerd 25th Sep 19, 11:21 AM
    • 3,121 Posts
    • 33,960 Thanks
    mothernerd
    I'm on holiday for most of October so can't join in. But I'll be cheering on from the sidelines.
    Originally posted by Toni'sfriend
    I won't make you wear lycra, I'm a lycraphobe myself unless it's covered with a lovely long t-shirt, smock or tunic. Not to be confused with a lycanthrope (it's the werewolves in tomatoes than stop you getting cancer - explanation later).
    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
    • Toni'sfriend
    • By Toni'sfriend 25th Sep 19, 11:23 AM
    • 2,286 Posts
    • 22,703 Thanks
    Toni'sfriend
    I won't make you wear lycra
    Thanks goodness for that. It wouldn't be a pretty sight!!!!!!!!!!!!!!
    • Bluetulip1980
    • By Bluetulip1980 25th Sep 19, 2:15 PM
    • 8 Posts
    • 22 Thanks
    Bluetulip1980
    Please count me in.
    • Karmacat
    • By Karmacat 25th Sep 19, 2:22 PM
    • 32,518 Posts
    • 192,287 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.
    Originally posted by mothernerd
    What a fantastic concept, mothernerd, thank you! House Stark for me, please, and the bit above is especially relevant for me. 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. Thanks again
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • sashanut
    • By sashanut 25th Sep 19, 3:39 PM
    • 3,245 Posts
    • 30,870 Thanks
    sashanut
    Count me in please!!
    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
    • crazy_cat_lady
    • By crazy_cat_lady 25th Sep 19, 5:59 PM
    • 5,153 Posts
    • 45,936 Thanks
    crazy_cat_lady
    I'm in please Mothernerd - and I loved GoT when I finally got round to watching it.
    I think I'm definitely somewhere close to a Stark, with a load of Martell in there as well (although secretly I think I might like to be a bit Targaryen ).
    Let's do this.
    NST November #5 NSD = 6
    I am honestly trying my best
    • doingitanyway
    • By doingitanyway 25th Sep 19, 7:38 PM
    • 4,742 Posts
    • 30,246 Thanks
    doingitanyway
    I would like to join please. I have never seen GoT so all the references are lost on me, but I think I get the basics. I'll be away for a week and hope that doesn't matter?
    Car costs savings: 600
    Xmas savings 350
    IF NOT NOW THEN WHEN?
    • f0xh0les
    • By f0xh0les 25th Sep 19, 9:26 PM
    • 2,618 Posts
    • 24,279 Thanks
    f0xh0les
    I now have this image of House of Nerd defending their territory from the House of Cat (while Karmacat tries to set up an illicit power grab from CCL), and Apple rolls in the mud.

    Peace Turtles, peace. We are united.
    MFW#65 5/16 118,3 10/17109,4 12/17 108,85/18106,9 6/18105,9, 8/18103,9 9/18102,9 10/18101,9 11/18101,3 12/18100,7 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 95,51/1194,999.99L&C Referal code- https://referme.to/GNNHtJo
    • shabbychic12
    • By shabbychic12 25th Sep 19, 11:09 PM
    • 156 Posts
    • 1,455 Thanks
    shabbychic12
    Room for me? September is/was my best month so feeling positive.
    2019 early retirement wannabe
    Save 12K in 2019 no 94
    All this saving l'm turning into my Dad
    • apple muncher
    • By apple muncher 26th Sep 19, 6:31 AM
    • 9,471 Posts
    • 72,781 Thanks
    apple muncher
    I now have this image of House of Nerd defending their territory from the House of Cat (while Karmacat tries to set up an illicit power grab from CCL), and Apple rolls in the mud.

    Peace Turtles, peace. We are united.
    Originally posted by f0xh0les

    I think that this sums it up perfectly...!!!
    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???
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