I actually don't find it so difficult, even though November is a very busy month. It's only 1,667 words a day. I know I write at least that much each day surfing on message boards! So I cut out my surf time and devote it to writing, instead.
What I always try to do is write at least 3,000 words in the first week. That gives me enough of a buffer that as the month wraps up, and I'm doing Thanksgiving and stuff, I don't have to stress about getting my words in for the day.
Having the pressure of a deadline is very helpful to me. I'm a procrastinator, and if I tried to do it on my own I'd never make it. Knowing that if I don't finish I won't get that purple bar by my name on the Nano forums is very encouraging to me.