Hello November! I love this time of year, when the evenings get cooler and darker. The clocks have gone back in the UK this weekend, so mornings are lighter for a brief time. I love the thought of being all cosy inside when it’s cold outside. I hope we have a proper winter this year, with snow! November begins to slow journey towards the holidays too. Although, it does mean that my thirtieth birthday creeps ever closer 🙁


Anyway, November looks to be a quiet month for us, bar one wedding on the 11th. It’s a school friend and we are invited to the evening do. They don’t have a gift list so we shall give them some money as their present. I am hoping to have at least 50% of our Christmas shopping done by the end of November. We also have a few birthdays in December, including mine and Mr FC’s, so I need to start getting those too.


Financial aims for November:

– Have 18 NSpend Days (NSDs)

– Overpay our mortgage by £100

– Put £700 into savings


NSDs seem to be very elusive at the moment. I completely failed in my October challenge, so I’ve reduced the target for November. The fact that we have nothing planned bar one wedding means that hopefully I will reach this. I just need to get back to my very organised self! Continuing with plodding along with mortgage payments, I am aiming for £100 this month. This seems like a good number to aim for at the moment. Lastly, the savings aim is just the same as last month. Although it needs to be higher, decorating and holiday shopping will probably make this a stretch.


Personal Aims For November:

– eat less processed/more fresh food

– finish decorating the staircase/hallway 

– have no takeaways


I am getting more conscious about how we eat, especially now Frugal Baby is eating more and more “normal” foods. I want us to concentrate on eating less processed food. Focusing on fresh ingredients will help our energy and mood at the moment.  Our staircase and hallway is still nowhere near finished but we are getting it done this month with some help. I can’t wait until it is done! Lastly, having no takeaways during the month will be good for our pocket and our waist lines. We have fallen into bad habits lately, mainly because I feel so tired, so need to break this. This will also help with the first personal aim.


Here’s to November being great! What are your aims for the month? I’d love to hear them!


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