We Are Decking the Halls with NSDs December Challenge
Comments
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Can I sign up for 20 please as I am doing the DDD challenge with NinjaSavingKat.
Thank you.Debt 1 (1/11/12) CC - £3,694.27:eek: - one at a time - 3 more in hiding:(
DDD member #29
NSD - December 7/200 -
freebyfifty wrote: »Hi lovely NSD gang:A
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.
Some helpful suggestions and ideas to follow below from our sponsor and godmother, BigMummaF :ANO 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 :whistle:)
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..:think:..let's say **putting the week's bus fares into the pretty coffee jar, Jo's tumble tots SIZE=2]Weds mornings[/SIZE in the cracked teapot & Ben's £1 coin for the gym locker SIZE=2]Friday lunch[/SIZE 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 :j 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 :rotfl: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"
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Could I join please for 10 thanks0
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I'm going for 20 NSD for December and increasing my target by 2 from Nov
Can I do it on this most tempting of months? I think I can!
Thanks for all the help that goes into running the thread with setting it up and running and the daily updates - its a big help for all of us and I know it works too xfinal unsecured debt to repay currently £8333Proud to be Dealing With my DebtDFW Nerd 1154 Long Haul 1550 -
Hi all i would like to join in again for December i am going to try for 15 NSD's maybe a bit ambitous but if i don't try i don't know.#Sealed pot #085.
1 debt versus 100 days £108.32/£300:j
Debt Jan 2016 £6877.37. Aug £6155.56
xmas saving £1 a day 274/366.0 -
CAN I. GO FOR 10 and 5in a row as ive only managed to get one xmas pressy so far so lots more to sort
yey it turned out red i wiill try and figure how o make it big as well these smartphones are not so smart as a lappy oh i wish i still had me lappy mabe soon sorry in advance freeby if it goes wrong2nd purse challenge no040£0 Sealed pot challenge ???? £2 trolley find not counting small coins till end year0 -
muffin_man_7 wrote: »ive only managed to get one xmas pressy so far so lots more to sort
You're 1 ahead of me .......................:eek::eek:Grocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0 -
Hi all, I am a newbie to this challenge and Freeby kindly signposted me to this thread so I can start in December.
I am going to have a tough month but I am determined to minimise the spending.
So I declare that I will have 10 NSD in december.🎄PAYDBXMAS21 #11 £11,300/£11300
Target met.
💥PAYDBXMAS22 #11 £5000/£5000 target met.
PAYDBXMAS23 #26 £5000/£5000 paid0 -
Hi all
Can I join in too please. I need to get a head start on the new year resolutions!:)
As I'm new to this I'm going to start with 8 nsd's this month. I think I'll leave the 'in a row' malarky until I've got the hang of going 1 day without spending!
Good luck to all!:)December G/C 172.85/250
Dec NSD's 10/8:j0 -
Can I put down for 20 NSD please as Im doing the DDD challange, I managed my 10 this month, so it may be a trifle optimisic but I will plan all my shopping hopefully2024 is going to be a positive year for me, and it's starting now!!
Buys: All budgeted and paid by cash!
Jan - fridge/freezer
Hoover
Feb - milk frother, curtain pole x2, roller blind - bathroom, toilet seat, bath sink taps, kitchen sink waste unit and an extra double electric socket.
March - raised bed for garden, bathroom cabinet, roller blind - kitchen0
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