Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • marmiterulesok
    • By marmiterulesok 25th Jan 17, 9:25 PM
    • 7,241Posts
    • 33,363Thanks
    marmiterulesok
    The Fabulous February NSD Challenge!
    • #1
    • 25th Jan 17, 9:25 PM
    The Fabulous February NSD Challenge! 25th Jan 17 at 9:25 PM
    Where has the month gone, I hear you ask?Indeed.

    February will be here shortly....who wants to learn the wise and ancient art of moth cultivation and join the super ' no spend day' challenge?

    You're all welcome!
    Nsd May 7/10
    I need to learn to budget again
Page 1
    • marmiterulesok
    • By marmiterulesok 25th Jan 17, 9:26 PM
    • 7,241 Posts
    • 33,363 Thanks
    marmiterulesok
    • #2
    • 25th Jan 17, 9:26 PM
    • #2
    • 25th Jan 17, 9:26 PM
    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 & nargle 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!
    Last edited by marmiterulesok; 26-02-2017 at 10:10 PM.
    Nsd May 7/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 25th Jan 17, 9:27 PM
    • 7,241 Posts
    • 33,363 Thanks
    marmiterulesok
    • #3
    • 25th Jan 17, 9:27 PM
    The Prizes!
    • #3
    • 25th Jan 17, 9:27 PM
    Here are our lovely prizes:

    1st target achieved:

    2nd target achieved:

    3rd target achieved:

    Target exceeded:

    Consolation prize:

    Shawn the Shark is here to gently encourage any over eager nsders not to use the 'F' word.Other deterents include the dreaded soggy paintbrush and a manky kipper breakfast lovingly prepared by Igor.You have been warned....
    Last edited by marmiterulesok; 26-02-2017 at 10:11 PM.
    Nsd May 7/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 25th Jan 17, 9:28 PM
    • 7,241 Posts
    • 33,363 Thanks
    marmiterulesok
    • #4
    • 25th Jan 17, 9:28 PM
    The Challengers!
    • #4
    • 25th Jan 17, 9:28 PM
    marmiterulesok 6/10

    yasmin2 4/18

    medusasmummy 14/20

    Nargleblast 8/15

    Captain Bluebear 7/12

    crafty witch 0/15

    jenni_fer 0/15

    donkids22 8/15

    SkintTeacher 8/15

    Honeysucklelou2 2/10

    jaxsmar 12/15

    beanielou 10/14

    Munchin 0/15

    Jonesy88 0/15

    call_88 1/10

    swimminginaseaofdebt 5/10

    squanderscouse 2/15

    Naomin 0/8

    Ladykernow 4/?

    Kittencat 6/10

    Pennydreams3 13/15

    FlorenceJ 9/12

    We_can_do_this! 5/12

    ceb1995 5/12
    Last edited by marmiterulesok; 20-02-2017 at 10:06 PM.
    Nsd May 7/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 25th Jan 17, 9:29 PM
    • 7,241 Posts
    • 33,363 Thanks
    marmiterulesok
    • #5
    • 25th Jan 17, 9:29 PM
    The 'In a Row' Challenge!
    • #5
    • 25th Jan 17, 9:29 PM
    Post your target and I'll add your name.The prize is some sunshine!



    medusaamummy 4

    marmiterulesok 4

    yasmin2 6

    Captain Bluebear 3

    crafty witch 4

    SkintTeacher 5

    squanderscouse 4

    Pennydreams3 5

    FlorenceJ 3
    Last edited by marmiterulesok; 26-02-2017 at 10:13 PM.
    Nsd May 7/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 25th Jan 17, 10:11 PM
    • 7,241 Posts
    • 33,363 Thanks
    marmiterulesok
    • #6
    • 25th Jan 17, 10:11 PM
    • #6
    • 25th Jan 17, 10:11 PM
    Link to January's thread:
    http://forums.moneysavingexpert.com/showthread.php?t=5578448
    Nsd May 7/10
    I need to learn to budget again
    • yasmin2
    • By yasmin2 26th Jan 17, 12:52 AM
    • 312 Posts
    • 1,238 Thanks
    yasmin2
    • #7
    • 26th Jan 17, 12:52 AM
    • #7
    • 26th Jan 17, 12:52 AM
    Please sign me up lol... I am going to aim for 18 NSDs and try for 6 in a row.. fingers crossed..
    Debt outstanding 3491. 3303
    NSD 10/15
    • marmiterulesok
    • By marmiterulesok 26th Jan 17, 8:19 AM
    • 7,241 Posts
    • 33,363 Thanks
    marmiterulesok
    • #8
    • 26th Jan 17, 8:19 AM
    • #8
    • 26th Jan 17, 8:19 AM
    Please sign me up lol... I am going to aim for 18 NSDs and try for 6 in a row.. fingers crossed..
    Originally posted by yasmin2
    You're signed up!
    Nsd May 7/10
    I need to learn to budget again
    • medusasmummy
    • By medusasmummy 26th Jan 17, 11:16 AM
    • 152 Posts
    • 1,294 Thanks
    medusasmummy
    • #9
    • 26th Jan 17, 11:16 AM
    • #9
    • 26th Jan 17, 11:16 AM
    Hi all, can i join in please?
    I found your January challenge on Monday and have been reading the last few days. You all seem like a very fun and supportive group

    I've been through my spending diary and I've had 14 NSDs so far in January so I'm setting myself a challenge of only 2 spend days a week in February. With this in mind

    can you please put me down for 20 NSDs in total


    Looking forward to spend (or not spending ) February with you all
    • Nargleblast
    • By Nargleblast 26th Jan 17, 3:48 PM
    • 9,082 Posts
    • 53,333 Thanks
    Nargleblast
    Hi all, can i join in please?
    I found your January challenge on Monday and have been reading the last few days. You all seem like a very fun and supportive group

    Little does she know, mwahahahahaaa!)
    Looking forward to spend (or not spending ) February with you all
    Originally posted by medusasmummy
    Seriously now, welcome! The more the merrier!
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash



    May NSDs. 13 of 15
    • Nargleblast
    • By Nargleblast 26th Jan 17, 3:49 PM
    • 9,082 Posts
    • 53,333 Thanks
    Nargleblast
    Put me down for 15 NSDs in February, marmite!
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash



    May NSDs. 13 of 15
    • Nargleblast
    • By Nargleblast 26th Jan 17, 3:52 PM
    • 9,082 Posts
    • 53,333 Thanks
    Nargleblast
    Here are our lovely prizes:

    1st target achieved:

    2nd target achieved:

    3rd target achieved:

    Target exceeded:

    Consolation prize:

    Shawn the Shark is here to gently encourage any over eager nsders not to use the 'F' word.Other deterents include the dreaded soggy paintbrush and a manky kipper breakfast lovingly prepared by Igor.You have been warned....
    Originally posted by marmiterulesok
    NOT THAT F WORD, IGOR!!!!!!. The one that starts with F, ends with L and has A and I in the middle. We do not "fail" on this challenge, ever!
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash



    May NSDs. 13 of 15
    • Captain Bluebear
    • By Captain Bluebear 26th Jan 17, 5:36 PM
    • 165 Posts
    • 563 Thanks
    Captain Bluebear
    Hi Marmite!

    May I play again this month please? I found the challenge last month really made January a bit more fun that it could've been!

    Another 12 days for me please, and I'm going to try for a 3 in a row this time! ( I actually managed 3 in a row in January but hadn't signed up for that part of the challenge)

    Thank you so much for looking after us Marmite!
    LBM Dec 15 5,629

    PAYDBX17 #66 1989/2889

    Jan17 NSD 12/12 --- Feb17 NSD 12/12 --- Mar13/12
    • crafty witch
    • By crafty witch 26th Jan 17, 8:58 PM
    • 99 Posts
    • 884 Thanks
    crafty witch
    Hi Marmite. Count me in again this month please. I'm going to try for 15 and 4 in a row. Thank you for looking after us all
    January NSD 18/18

    365penny a day = 37.24

    RYSAW17 #16 = 474.32
    • jenni_fer
    • By jenni_fer 27th Jan 17, 7:26 PM
    • 122 Posts
    • 615 Thanks
    jenni_fer
    Failed miserably in January but trying again in Feb.
    Will exclude buying lunch from the canteen so going for 15 NSD please.
    • donkids22
    • By donkids22 27th Jan 17, 7:32 PM
    • 125 Posts
    • 608 Thanks
    donkids22
    Going to try again feb nearly at my january taret. Going to try for another 15 NSDs
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • SkintTeacher
    • By SkintTeacher 27th Jan 17, 9:51 PM
    • 296 Posts
    • 1,589 Thanks
    SkintTeacher
    Can you put me down for 20 in February please. Managed it in January but Feb is shorter so we'll see! Trying to get a few 5 day-in-a-rows.
    Thanks for starting the challenge!
    • marmiterulesok
    • By marmiterulesok 27th Jan 17, 10:04 PM
    • 7,241 Posts
    • 33,363 Thanks
    marmiterulesok
    Sorry folks,I'll add you all tomorrow.I'm on my fifth pilchard margarita and I need to lie down.Just for five minutes....
    Nsd May 7/10
    I need to learn to budget again
    • Honeysucklelou2
    • By Honeysucklelou2 27th Jan 17, 11:18 PM
    • 156 Posts
    • 389 Thanks
    Honeysucklelou2
    Could I be added please...I would like to try for 10 NSDs.

    Thank you.
    paydbx #90 275/10,000.
    365 day penny challenge 37.66/667.95
    Loan 17k in 2012- 840 in May 2017. Home improvement loans 3342 March 2017
    • marmiterulesok
    • By marmiterulesok 29th Jan 17, 10:19 AM
    • 7,241 Posts
    • 33,363 Thanks
    marmiterulesok
    Hi all, can i join in please?
    I found your January challenge on Monday and have been reading the last few days. You all seem like a very fun and supportive group

    I've been through my spending diary and I've had 14 NSDs so far in January so I'm setting myself a challenge of only 2 spend days a week in February. With this in mind

    can you please put me down for 20 NSDs in total


    Looking forward to spend (or not spending ) February with you all
    Originally posted by medusasmummy
    Welcome,welcome,welcome to the best challenge going!!!!

    Put me down for 15 NSDs in February, marmite!
    Originally posted by Nargleblast
    Woger.

    Hi Marmite. Count me in again this month please. I'm going to try for 15 and 4 in a row. Thank you for looking after us all
    Originally posted by crafty witch
    Good-o!
    Nsd May 7/10
    I need to learn to budget again
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

505Posts Today

5,641Users online

Martin's Twitter