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  • FIRST POST
    • marmiterulesok
    • By marmiterulesok 29th Aug 17, 11:22 AM
    • 7,385Posts
    • 33,579Thanks
    marmiterulesok
    The Super September NSD Thread!
    • #1
    • 29th Aug 17, 11:22 AM
    The Super September NSD Thread! 29th Aug 17 at 11:22 AM
    Sign up people!
    Nsd september 2/10
    I need to learn to budget again
Page 1
    • marmiterulesok
    • By marmiterulesok 29th Aug 17, 11:22 AM
    • 7,385 Posts
    • 33,579 Thanks
    marmiterulesok
    • #2
    • 29th Aug 17, 11:22 AM
    • #2
    • 29th Aug 17, 11:22 AM
    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!
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 29th Aug 17, 11:23 AM
    • 7,385 Posts
    • 33,579 Thanks
    marmiterulesok
    • #3
    • 29th Aug 17, 11:23 AM
    The Prizes!
    • #3
    • 29th Aug 17, 11:23 AM
    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 ie F-a-i-l.....Other deterents include the dreaded soggy paintbrush and a manky kipper breakfast lovingly prepared by Igor.You have been warned....

    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 29th Aug 17, 11:24 AM
    • 7,385 Posts
    • 33,579 Thanks
    marmiterulesok
    • #4
    • 29th Aug 17, 11:24 AM
    The Participants!
    • #4
    • 29th Aug 17, 11:24 AM
    sign up with your target and i'll add you to the list!

    marmite 2/10

    beanielou 9/15

    Shakey87 6/20

    BadBookkeeper 0/

    swimminginaseaofdebt 1/15

    purplemumof2 2/20

    jojtsui 0/20

    arc2014 6/15

    Doglover /

    Angela84 /10

    stoplurking 2/18

    Nargleblast 8/15

    peedie 3/15

    fruitloop04 2/15

    Kittychick 4/15

    Fivebyfive /15

    squanderscouse 2/12

    Munchin 2/12

    Tjzdazz /15

    Rachel24 2/12

    Honeysucklelou2 2/12

    Reb2016 4/

    helsbell 4/10

    missmental123 /12

    Decluttering /10

    honey /10

    Jo Blogs 4/15

    thorag4/15

    I_want_to_be_Free 1/10
    Last edited by marmiterulesok; 13-09-2017 at 3:33 PM.
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 29th Aug 17, 11:26 AM
    • 7,385 Posts
    • 33,579 Thanks
    marmiterulesok
    • #5
    • 29th Aug 17, 11:26 AM
    The 'in a row' Challenge!
    • #5
    • 29th Aug 17, 11:26 AM
    sign up your target and i'll add you to the list!

    marmite 4

    Fivebyfive 3

    squanderscouse 3

    Tjzdazz 3

    fruitloop04 3

    Reb2016 4

    I_want_to_be_Free 3
    Last edited by marmiterulesok; 13-09-2017 at 3:33 PM.
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 29th Aug 17, 11:33 AM
    • 7,385 Posts
    • 33,579 Thanks
    marmiterulesok
    • #6
    • 29th Aug 17, 11:33 AM
    • #6
    • 29th Aug 17, 11:33 AM
    the august thread:
    http://forums.moneysavingexpert.com/showthread.php?t=5688526
    Nsd september 2/10
    I need to learn to budget again
    • beanielou
    • By beanielou 29th Aug 17, 11:57 AM
    • 47,176 Posts
    • 169,488 Thanks
    beanielou
    • #7
    • 29th Aug 17, 11:57 AM
    • #7
    • 29th Aug 17, 11:57 AM
    Thanks Marmite for setting up the shiny new thread.

    Can you I please go for 15?
    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. *** It is ok to be me.*** ***Keep plodding***
    • BadBookkeeper
    • By BadBookkeeper 29th Aug 17, 2:12 PM
    • 54 Posts
    • 121 Thanks
    BadBookkeeper
    • #8
    • 29th Aug 17, 2:12 PM
    • #8
    • 29th Aug 17, 2:12 PM
    Can I join please?
    Will be aiming for 15 out of 30
    • jojitsui
    • By jojitsui 29th Aug 17, 7:34 PM
    • 386 Posts
    • 1,601 Thanks
    jojitsui
    • #9
    • 29th Aug 17, 7:34 PM
    • #9
    • 29th Aug 17, 7:34 PM
    Can I join please. I'd like to try for 20 days.
    Thanks
    • beanielou
    • By beanielou 29th Aug 17, 8:02 PM
    • 47,176 Posts
    • 169,488 Thanks
    beanielou
    The more the merrier
    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. *** It is ok to be me.*** ***Keep plodding***
    • arc2014
    • By arc2014 29th Aug 17, 9:26 PM
    • 42 Posts
    • 110 Thanks
    arc2014
    I would like to give this a go as I'm returning to work this month. I'd like to go for 15!
    • beanielou
    • By beanielou 29th Aug 17, 9:29 PM
    • 47,176 Posts
    • 169,488 Thanks
    beanielou
    Welcome arc2014 to our lovely thread
    Last edited by beanielou; 29-08-2017 at 9:32 PM.
    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. *** It is ok to be me.*** ***Keep plodding***
    • Angela84
    • By Angela84 29th Aug 17, 9:55 PM
    • 368 Posts
    • 892 Thanks
    Angela84
    I'd like to aim for 10 this month and see how that goes! Thanks!
    LBM January 2017 £9850 debts /// Sept 2017 £3585 paid £6265 to go (35%) DFD June 18

    Natwest C/C £250 Rbs O/D £1250 NatWest O/D £1600 Barclaycard C/C £1810 Lloyds C/C £4750 £4455

    Been in debt for 15yrs, trying to become debt free in 15 months
    • Nargleblast
    • By Nargleblast 29th Aug 17, 10:06 PM
    • 9,290 Posts
    • 54,521 Thanks
    Nargleblast
    Might as well sign up for my usual target of 15. Going to try to be extra frugal because we are changing our cars this month and the whole budget is out of the window until things settle down. In theory the new cars will be cheaper to run than the existing ones.
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash





    September NSDs 12 of 15
    • fruitloop04
    • By fruitloop04 30th Aug 17, 9:09 AM
    • 105 Posts
    • 218 Thanks
    fruitloop04
    Hello! Can I join this please? I am away from the 4th-18th September so won't be including them in my NSD's but outside of these can I go for 10 NSDs? It will be a challenge but a worthwhile one! Thanks!
    16.08.2017 CC 1 - £2050 £1861.07 CC 2 - £1766.82 £1500 Emergency savings: £750/£6000
    Mortgage - £151,564.00 £151,029
    September NSDs 2/10. Debt free by xmas: 455.75/1500
    BYOLTW: 1/10
    • Kittychick
    • By Kittychick 30th Aug 17, 10:03 AM
    • 140 Posts
    • 350 Thanks
    Kittychick
    I'm in as well!! Last month I managed 6 in about 3 weeks so I'm going to go for 10 for September... Maybe more..!
    • Fivebyfive
    • By Fivebyfive 30th Aug 17, 10:32 AM
    • 86 Posts
    • 360 Thanks
    Fivebyfive
    Please can i join? I would like to go for 15 this month and 3 in a row
    Debt =£5,829.57 Aug 17 /£5,598.05 Mar 17/ £6,310.36 Feb 17/ £6,468.06 Jan 17/£6,593.06 Dec 16/ £6,545.36 Nov 16/ £6,886.82 Oct 16
    SPC #037
    • squanderscouse
    • By squanderscouse 30th Aug 17, 1:49 PM
    • 63 Posts
    • 241 Thanks
    squanderscouse
    Hi Marmite, can I go for 12 this month and 3 in a row?

    Thanks
    Bank Loan 5000/PAID Barclaycard 2500/1872.13
    Overdraft 2000/Cleared MBNA Closed
    Littlewoods 1200/97.91

    Long time lurker - so grateful to MSE for helping me reduce my debt. August NSD 10/10
    Sealed pot challenge 10 #568
    • Munchin
    • By Munchin 30th Aug 17, 1:51 PM
    • 2,032 Posts
    • 5,819 Thanks
    Munchin
    Hi

    I would like to join and go for 12 NSDS (I'm on holiday from 06th - 13 Sept so will not count these).
    • Tjzdazz
    • By Tjzdazz 30th Aug 17, 4:06 PM
    • 16 Posts
    • 74 Thanks
    Tjzdazz
    Hi,


    I would like to join please. 15 NSDs for me . 3 in a row
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