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  • FIRST POST
    freebyfifty
    We Are Decking the Halls with NSDs December Challenge
    • #1
    • 27th Nov 12, 7:17 AM
    We Are Decking the Halls with NSDs December Challenge 27th Nov 12 at 7:17 AM
    Welcome to the December No Spend Day (NSD) thread!!

    We are a happy (and some might say mildly insane) bunch doing battle with those retailers - and theres plenty of temptation out there at the moment. We are seriously committed to saving money, but nobody said it can't be done with a smile on your face - so we organise riotous nights out and gatecrash any function going - all without leaving the comfort of our own imaginations or armchairs!

    On a slightly more serious note, we are here to help each other avoid spending for the number of days we feel we can manage to try to take back some control over our hard-earned money. What you class as a "spend'" is entirely your choice; some people will try to shop on the days DD/SO etc are paid, whilst others will not include essentials such as rent. Have a look for a post from our sponsor (and godmother of this challenge) BigMummaF, this contains some guidelines and ideas for starting you off on the challenge.

    Its amazing how inventive you get when youre determined NOT to spend - from weird menu ingredients to surprising DIY solutions - but you know what? 99% of the time those wacky ideas work.


    Link to last month's challenge is below so any newcomers can see what we get up to (hmmmmm... on second thoughts, that might put you off...)

    http://forums.moneysavingexpert.com/showthread.php?t=4254533
    Free by Fifty

    Debt of the Moment -
    August NSD Challenge 14/15
Page 19
  • bottleofred
    Good evening folks,

    Thanks to everyone for the hugs and good wishes etc. My mum had a heart operation on Tuesday and is on the mend, so things are good. I am declaring NSDs 2, 3 and 4 for the week. BDNI, I hope you get the work problem sorted out soon, as it's horrible to be in that position
    Beanie, that was horrible luck with the punctures
    I'm sending you and anyone else who needs them hugs
    If you've nothing decent to say, perhaps you shouldn't say anything.

    Saving to buy something for me 35
    2 savings jar 202
    Total credit card debts 2400 - Will I ever learn!!
    • beanielou
    • By beanielou 6th Dec 12, 9:55 PM
    • 41,923 Posts
    • 139,096 Thanks
    beanielou
    red~so glad that your mum has had her operation and seems to be on the mend
    Remember to look after yourself too xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs**

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now.
  • ifwisheswerehorses...



    Hi lovely NSD gang
    As you can see there is lots of activity on this challenge at the moment and it's difficult sometimes to see how many NSDs you're all declaring on posts.
    Could I ask you to highlight your number of NSDs in a colour and in bold so that I can see them easily when I whizz through the posts - red would be best but I don't really mind as long as I can see the numbers easily.
    Originally posted by freebyfifty

    Some helpful suggestions and ideas to follow below from our sponsor and godmother, BigMummaF


    NO SPEND CHALLENGE.


    1. Have a good, long think about what YOU want to include in your Spend & Excluded categories.
    Some of us count everything from Direct Debits & school expenses, while others do not include things like essential Bills or emergency medical costs. If you plan what is or is not a Spend for you now, it will help you decide on a realistic Target.
    2. It is NOT a race!
    We all have very different demands on our time & bank balance, so please do not think you have to buy everything on 1st January & make it last till 31st December! A few of us have been following this Challenge for a long...long...LONG time so have developed plans & ploys to help us along the way
    3. Most important of all, WE..DO..NOT..FAIL!
    Sometimes we can't quite reach our Target, but that is fine Everyone knows how Life will try to trip us up, & that is when you will find us here to help you back on to your feet.

    OK, an idea of how some of us do things.
    1. What you will or will not include as a 'Spend'.
    Some people are doing other challenges too, & don't include the money spent on those for this one.
    Some will try to shop for other bits on the days their direct debits etc go out of their bank accounts; they're the real hard core of the bunch & have been l-o-n-g time Nsders so don't panic
    Some won't count those annoying last minute demands from school & collections as you can't plan for them in advance, likewise emergency prescriptions or visits to the vet
    Personally speaking & providing I don't buy anything else, I don't count parking for hospital appointments.(..but then I usually do my shopping because I'm already out )
    General thoughts on bay sales is the buyer has paid P&P so no cost to you
    2. It takes Time to reach mega-numbers!
    The First suggestion is the first, because a bit of planning will work wonders on your road to your Target. Have a look at thefirst posts each month for a hefty list of other threads that may be of help. For example, there's a few giving ideas for packed lunches so you can avoid standing in the queue at the bakers for 45mins of your lunch hour! A good incentive to tweak your healthy eating & the pounds you save will show in your bank balance AND your waistline
    It helps to have various 'money pots' for the different costs that happen like Scouts, dinner money, yoga, window cleaner etc etc. The idea is you "spend" all that money in one hit by....
    let's say **putting the week's bus fares into the pretty coffee jar, Jo's tumble tots [Weds mornings] in the cracked teapot & Ben's 1 coin for the gym locker [Friday lunch] in the pocket of the changing bag, on Tuesdays every week when you've got some change from doing the food shop, so an already spendy day. At least four 'spending days' condensed into one (**mine's jam jars for windows, milkman & a bit towards the bills!)
    3. Any day the money stays in your pocket is a bonus!
    If you look at it as a day you beat the system, you can't help but so don't fret it--ENJOY! If nothing else in here, we do manage find something to make us smile

    We have virtual outings to wonderful places that never cost us a bean New York, Edinburgh & Brighton have been a couple & Spoon usually pilots the Tardis but you can use your own transport; my personal favourite has been a sit-on lawn mower borrowed from the cricket club The only thing to be aware of is Hubert the donkey who is partial to anything remotely edible but is not yet house-trained

    And Remember;
    there are no silly questions, so don't be afraid to ask us anything!
    "If wishes were horses, then beggars would ride"
    BSC Member 310
    • liltdiddylilt
    • By liltdiddylilt 6th Dec 12, 10:13 PM
    • 4,017 Posts
    • 28,031 Thanks
    liltdiddylilt
    Hello all

    Drifting in to declare NSD #5 for the month. 3 in a row so far. If I make tomorrow NSD I will at least have met my 4 in a row target!! Woohoo!!!

    Well done everyone, red, glad to hear your mum has had the op & getting better. Keep up the good work peoples xx
    NST June: SFD: 11/20 Groc/Toil/House: 0/250
    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • kitschkitty
    NSD 2 today, had thought I'd have at least 1 more this week, but have been out and about more than I expected.

    On Monday I had my printing class, Tuesday as I had to pop in to see our letting agents, and took advantage of the money off vouchers I had for Aldi, then yesterday I went to a learners, achievement presentation and did some food shopping afterwards. Planning on staying in the next few days, so will hopefully nab a few more NSDs.
    A waist is a terrible thing to mind.
    • MummyRivett
    • By MummyRivett 7th Dec 12, 7:07 AM
    • 350 Posts
    • 3,597 Thanks
    MummyRivett
    Whoop I have 6NSD in a row now, I think today I may be breaking the chain as sadly one of my friends at work died and I do want to give to the collection. But I do think I have had a good run.
    CHALLENGES FOR 2015
    12K for 2015 Member No: 141 / 1 a Day for Xmas 2015 500/365 / 12lb in 12 Weeks 9 /12
    • rising from the ashes
    • By rising from the ashes 7th Dec 12, 7:22 AM
    • 12,236 Posts
    • 59,061 Thanks
    rising from the ashes
    Thanks to everyone for the hugs and good wishes etc. My mum had a heart operation on Tuesday and is on the mend, so things are good.
    Originally posted by bottleofred
    Ohhh Red great news that the Ops been done (it's always horrible waiting for these to happen....) and that your Mum is recovering well
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • citizenkitten
    just tidying up for yesterday

    kururunfa - This is
    NSD #2 well done such an excellent start to a late joiner.

    ModestyB -
    NSD 3 can you make your OH talk to my OH??

    MummyRivett -
    6NSD sorry to hear and i wouldnt count that as a spend.I have a tenner in my purse for random but necessary spend. I count when i take out the 10 as a spend, but i dont when i use it. I dont replace till i use it up.

    kitschkitty
    NSD 2 - stay at home where it is nice and warm

    liltdiddylilt - NSD #5 for the month. 3 in a row so far.

    bottleofred-
    NSDs 2, 3 and 4 glad to hear your mum is recovering well, take care of yourself too

    Nargleblast
    -NSD number 1 you can mount mine too! then we can have it as the star on top of the christmas tree

    VickyV- ooh lucky you! NSD
    #3

    mummy172-
    NSD 3 hey we are all allowed chocolate in these dark cold days

    JAMIEDODGER- Number 4 - same as me yesterday whoop! go us!


    and to finish up - NSD 4 FOR ME YESTERDAY! I starved and i went round scrounging other people's biscuits at work LOL but all for that NSD! Phew! have no idea what i am doing today but got a very busy weekend coming up, off back to where i grew up to see my dad's grave and some people before christmas.

    IF YOU THINK YOU ARE SO CLEVER, THEN WHY ARE'NT YOU RICH?
    Debt = 21,003.22 0! /Car 4500 2875
    Savings 12k in 2013: NUMBER 093 = 1100.31/4000
    Wedding fund 1045/3500 LOL!

    Crazy Clothes 2013 NO 002= 376.64/500/No MoreBooks 0/30
  • BigMummaF
    You had a lucky escape there RFTA..I was gunna give you a SHOUT to make sure you were up Hope it goes well & just remember, all the time you're there, you are using their heat & light while you mend

    Afternoon all


    Got my 3rd NSD

    Thank you
    IFx



    Click on link, hopefully it will make you all smile

    ---------- > Reindeer and Santa Singing
    Originally posted by ifwisheswerehorses...
    I loved it Think I may pinchfind a link to use for my online greetings. You have an incredible knack of finding the exact thing to cheer us up...Power to Your Posts

    I've got to No 6 by taking seasonal employment as an in the Alternate Illusory Dept (wrapping prezzies to you & me ) while the wind winded & the rain rained yesterday. Shame Muvva ain't got an open fire to complete the wintery scene, but I guess living on the top floor of a block of flats may be a bit of a hurdle to that one....
    Full time Carer for Mum; harassed mother of three;
    loving & loved by two 4-legged babies.

  • young_un
    Sadly no NSD for me yesterday BUT I am definately getting better at this MSE lark went to a work do and withdrew my usual 70 for a night out came home at 2am this morning having only spent 25 (this includes taxi) very proud of myself :P
    Hope everyone is feeling okay today, sending big hugs and love to those that need it
    Xx
    Weight loss 0/37lb Vanquis 1476 Capital One 380
    Nov 2012 NSD 15/15 Dec 2012 NSD 14/15 5 in a row SPC #1874 Overdraft 800
  • slowlyfading
    Finally, NSD 3 for me today

    I'm not doing so well on this challenge so far...
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    2015 Frugal Challenge Member / Aug NSD - 24/18 / Ultimate Dream Fund - 2,330.98/306,000
    Engaged 14/08/10 // Married 31/03/12 // DS born August 15
  • blindtoast
    Finally got NSD #2 yesterday! Spent the evening in watching Muppets Christmas Carol!
    No more buying books TBR - .
    Books read in 2014 = 25
    2015 target 12/30.
    No more buying DVDs ? 2015 target 14/26
    Sealed pot challenge member #1733
    • MuffinTops
    • By MuffinTops 7th Dec 12, 8:42 AM
    • 1,375 Posts
    • 4,153 Thanks
    MuffinTops
    Eek, it's the 7th and I'm only declaring yesterday's NSD2.

    Must try harder! I know I'll make the 10 I pledged, but 2 NSD's out of 7 potentials is showing room for improvement.

    Well done everyone else for showing me how it's done! Yay!!!
    Credit Card Bill 3,738.57
    Savings 5,180.54 (approximately)

    Gold Pot Total = 1441.97
    (Aug 1441.97)
  • BigMummaF
    ....got a very busy weekend coming up, off back to where i grew up to see my dad's grave and some people before christmas.

    Originally posted by citizenkitten
    Hope you get some time to enjoy your w/e amongst all the hustle & bustle CK. Back BC (before children) The Offspring's dad & I used to take his grandmother around the family, so she could see them all & deliver the gifts she'd gathered over the previous 12mths. Considering she had seven (another lives abroad) children & almost 50 grandchildren living in a 10 mile radius, it took two weekends to complete as she'd sit in each & wait till offered something more than a cuppa By the time we got her home she was more than a little squiffy but insisted we stayed for some supper. One uncle was always the last call as he spoiled her rotten with meat fresh from the farm & just left the bottle of brandy by her side. After the second year we persuaded her to go on the Saturday that w/e as there's no way we could get her back before the early hours & we had work on Monday!

    I must contact the florist soon as I order particular colours of carnations
    & Mum has a little arrangement made, to be collected Xmas Eve. Christmas morning I go up to the Cemetery; the tradition began after FIL passed over 30yrs ago & sadly the numbers have grown, but it is not a sad place to be. Mum used to think I was weird til she came with me after losing Dad, & saw the incredible number of other relatives who do the same. When it's a glorious winter sun we sit & watch the people & birds, then move to the older part to spot the squirrels scurrying around the knarled trees.
    Somehow, this act of remembrance completes my Dec 25th & gives me half an hour of peaceful reflection before entering the commercial world once again.
    Full time Carer for Mum; harassed mother of three;
    loving & loved by two 4-legged babies.

    • marmiterulesok
    • By marmiterulesok 7th Dec 12, 8:43 AM
    • 5,761 Posts
    • 30,340 Thanks
    marmiterulesok

    A miracle happened today, DH actually listened to me when I said don't buy anything unless we really need it and he didn't buy anything from the cash & carry! So that makes NSD 3 for me today.

    Originally posted by ModestyB
    Well done DH!

    Good evening folks,

    Thanks to everyone for the hugs and good wishes etc. My mum had a heart operation on Tuesday and is on the mend, so things are good.
    Originally posted by bottleofred
    That's great red.I hope that things go smoothly for her.

    Sadly no NSD for me yesterday BUT I am definately getting better at this MSE lark went to a work do and withdrew my usual 70 for a night out came home at 2am this morning having only spent 25 (this includes taxi) very proud of myself :P
    Hope everyone is feeling okay today, sending big hugs and love to those that need it
    Xx
    Originally posted by young_un
    70!Well done on showing such restraint!

    Happy Friday everyone.
    NSD September 0/10 J20 F18 M18 A17 M26 J23 J19 A22 ~ NSD total '15 163/227
  • ifwisheswerehorses...
    Morning my no spendy chums

    It's Friday time for a wiggle







    I loved it Think I may pinchfind a link to use for my online greetings. You have an incredible knack of finding the exact thing to cheer us up...Power to Your Posts
    Originally posted by BigMummaF
    Thank you
    "If wishes were horses, then beggars would ride"
    BSC Member 310
    • WantToBeSE
    • By WantToBeSE 7th Dec 12, 9:32 AM
    • 6,417 Posts
    • 26,035 Thanks
    WantToBeSE
    Morning

    declaring yesterday as NSD#5
    Today isnt going to be a NSD as i am off to Lidl shopping in a bit.
    SPC #465

    My Savings Diary http://forums.moneysavingexpert.com/showthread.php?t=4815948
  • Fae
    Not a NSD for me today, as need to buy a few bits for the family pre Christmas meal I am doing tomorrow, but at least it's in a good cause, and my menu is very MSE

    Fae
    LBM 29/10/2013 14,218.00 As of 13/04/2014 6477.00
    Paid 54%
    3 months to go 13 weeks
    DFD 28th August 2014
    • abundant1972
    • By abundant1972 7th Dec 12, 10:50 AM
    • 946 Posts
    • 6,368 Thanks
    abundant1972
    Hey All,

    Planned spend days for today and tomorrow, and so am still sitting at:

    NSD number 5


    *** DEBT FREE ***
    Mindfulness 0/30. Workouts 0/14
    NST September (Spent): Food/Spends - 50.00/200.00. SFD - 0/15

    Emergency Fund: 750.00/1000.00 Saved
    Follow your heart & be true to yourself always

    • chris81418
    • By chris81418 7th Dec 12, 10:53 AM
    • 910 Posts
    • 7,392 Thanks
    chris81418
    Good morning everyone!

    Another flying visit to report that NSD number 4 was caught on Wednesday! Unfortunately, I had to buy supplies yesterday, but hope to jump straight back onto (and stay on) the NSD wagon!

    chris81418 - well done for number 3, youre doing great!!
    Originally posted by butdoineedit?
    Thanks BDINI! And it looks like (((hugs))) are needed all round.

    Enjoy that Friday feeling everyone and have a good wiggle!
    Proud to be dealing with have dealt with my debts!
    DFW Nerd #1256, WSC ?/? for w/c 03/03/2013, NSD ?/19 for 03/2013, Long Hauler #196

    highest debts: 01/06/2006 69,023.92
    debt free date: 31/12/2012 0!
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