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  • FIRST POST
    • marmiterulesok
    • By marmiterulesok 1st Aug 17, 8:10 PM
    • 7,396Posts
    • 33,604Thanks
    marmiterulesok
    The Amazing August NSD Thread!
    • #1
    • 1st Aug 17, 8:10 PM
    The Amazing August NSD Thread! 1st Aug 17 at 8:10 PM
    Sign up people for August!
    Nsd september 2/10
    I need to learn to budget again
Page 1
    • marmiterulesok
    • By marmiterulesok 1st Aug 17, 8:10 PM
    • 7,396 Posts
    • 33,604 Thanks
    marmiterulesok
    • #2
    • 1st Aug 17, 8:10 PM
    The 'Rules'!
    • #2
    • 1st Aug 17, 8:10 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; 29-08-2017 at 11:21 AM.
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 1st Aug 17, 8:12 PM
    • 7,396 Posts
    • 33,604 Thanks
    marmiterulesok
    • #3
    • 1st Aug 17, 8:12 PM
    The Prizes!
    • #3
    • 1st Aug 17, 8:12 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 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....

    Last edited by marmiterulesok; 29-08-2017 at 11:23 AM.
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 1st Aug 17, 8:12 PM
    • 7,396 Posts
    • 33,604 Thanks
    marmiterulesok
    • #4
    • 1st Aug 17, 8:12 PM
    The Participants!
    • #4
    • 1st Aug 17, 8:12 PM
    Post your target and I'll add you to the list!

    marmiterulesok 5/10

    Florence J 5/15

    Nargleblast 4/15

    Purplemomof2 0/10

    beanielou 7/15

    Honeysucklelou2 0/10

    lotti379 2/15

    quintwins 8/20

    NettyR 1/10

    indigowarrior 3/15

    donkids 2/10

    carolynw 0/10

    mizmir 6/10

    squanderscouse 0/10

    determined new ms 4/15

    Kittychick 2/6

    thoragunnr 3/15

    Captain Bluebear 3/12

    honey 2/7
    Last edited by marmiterulesok; 12-08-2017 at 8:26 PM.
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 1st Aug 17, 8:13 PM
    • 7,396 Posts
    • 33,604 Thanks
    marmiterulesok
    • #5
    • 1st Aug 17, 8:13 PM
    The ' in a row' challenge!
    • #5
    • 1st Aug 17, 8:13 PM
    Post your target and I'll add you to the list!

    The prize:


    marmiterulesok 4

    Florence J 3

    NettyR 3

    indigowarrior 3

    squanderscouse 3

    determined new ms 4

    mizmir 5

    Captain Bluebear 3
    Last edited by marmiterulesok; 01-10-2017 at 12:33 PM.
    Nsd september 2/10
    I need to learn to budget again
    • Florence J
    • By Florence J 1st Aug 17, 8:26 PM
    • 1,601 Posts
    • 9,072 Thanks
    Florence J
    • #6
    • 1st Aug 17, 8:26 PM
    • #6
    • 1st Aug 17, 8:26 PM
    I am in. I am aiming for 15 NSDs with 3 in a row

    Today is NSD number 1!
    Sealed Pot Challenge 10 #553 (£90) Wombling free 2017 = £1623.56 Pay off all your debts by Xmas 2017 #53 (£2953.21/£3000) Debt to OH paid back £1120.95/£1120.95
    October 2017 Credit Card Debt: £4163.86
    • Nargleblast
    • By Nargleblast 1st Aug 17, 8:57 PM
    • 9,359 Posts
    • 54,979 Thanks
    Nargleblast
    • #7
    • 1st Aug 17, 8:57 PM
    • #7
    • 1st Aug 17, 8:57 PM
    July was a washout, just fell two short of target so I have given myself a short, sharp kicking and am determined to keep my focus on that bouncing Tigger. Put me down for 15 NSDs fir August please, marmite!
    • Purplemumof2
    • By Purplemumof2 1st Aug 17, 10:23 PM
    • 5,234 Posts
    • 17,523 Thanks
    Purplemumof2
    • #8
    • 1st Aug 17, 10:23 PM
    • #8
    • 1st Aug 17, 10:23 PM
    Hi Marmite,

    Glad to see you're ok? What Igor been feeding you?

    Please could I join with 10 this month?

    Thanks for running this thread again
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7250.00 Cap 1: £529.05 BC: £5196.94

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • marmiterulesok
    • By marmiterulesok 1st Aug 17, 10:58 PM
    • 7,396 Posts
    • 33,604 Thanks
    marmiterulesok
    • #9
    • 1st Aug 17, 10:58 PM
    • #9
    • 1st Aug 17, 10:58 PM
    i promise that tomorrow i'll be bright eyed and bushy tailed!

    off to bed now. night folks!
    Nsd september 2/10
    I need to learn to budget again
    • beanielou
    • By beanielou 1st Aug 17, 11:29 PM
    • 47,786 Posts
    • 173,437 Thanks
    beanielou
    15 for me for August.
    Thanks Marmite as always
    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***
    • Honeysucklelou2
    • By Honeysucklelou2 2nd Aug 17, 12:29 AM
    • 440 Posts
    • 1,422 Thanks
    Honeysucklelou2
    I got half way to my target in July but would still like to reach it in August, so could I be put down for 10 NSDs please.
    paydbx #90 £325/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017
    • lotti379
    • By lotti379 2nd Aug 17, 7:36 AM
    • 787 Posts
    • 6,179 Thanks
    lotti379
    Can you put me down for 15 NSDs please?
    “Obstacles are those frightful things you see when you take your eyes off your goals.”

    NSD Challenge: August 2017 2/15
    • marmiterulesok
    • By marmiterulesok 2nd Aug 17, 10:47 AM
    • 7,396 Posts
    • 33,604 Thanks
    marmiterulesok
    I am in. I am aiming for 15 NSDs with 3 in a row

    Today is NSD number 1!
    Originally posted by Florence J
    well done on getting #1!

    July was a washout, just fell two short of target so I have given myself a short, sharp kicking and am determined to keep my focus on that bouncing Tigger. Put me down for 15 NSDs fir August please, marmite!
    Originally posted by Nargleblast
    oh don't be too hard on yourself.why not set a lower target ie 10 and then it's means that you're still likely to get a prize,then you can increase?

    Hi Marmite,

    Glad to see you're ok? What Igor been feeding you?

    Please could I join with 10 this month?

    Thanks for running this thread again
    Originally posted by Purplemumof2
    thank you,that's very sweet of you.

    mouldy sprouts vindaloo methinks.the rotter.
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 2nd Aug 17, 10:48 AM
    • 7,396 Posts
    • 33,604 Thanks
    marmiterulesok
    15 for me for August.
    Thanks Marmite as always
    Originally posted by beanielou
    thanks beanie!

    I got half way to my target in July but would still like to reach it in August, so could I be put down for 10 NSDs please.
    Originally posted by Honeysucklelou2
    no probs!

    Can you put me down for 15 NSDs please?
    Originally posted by lotti379
    woger!
    Nsd september 2/10
    I need to learn to budget again
    • quintwins
    • By quintwins 2nd Aug 17, 11:17 AM
    • 5,029 Posts
    • 29,261 Thanks
    quintwins
    Can I join please? 20nsd's for me. I already done one yesterday.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 15/20
    • NettyR
    • By NettyR 2nd Aug 17, 12:38 PM
    • 13 Posts
    • 38 Thanks
    NettyR
    I'd like to join please, with a target of 10 nsd's and three nsd's in a row. Yesterday was my first nsd

    I have a four day holiday in the middle of they month so that will mess things up!
    DFW start date 01.08.17......Total debt £11,415.57
    CC1 £4260.25 £791.49 / CC2 £3043.44 / OD £980.64 / Parents £3200 OH £3400
    NSD August 1/10
    • beanielou
    • By beanielou 2nd Aug 17, 1:59 PM
    • 47,786 Posts
    • 173,437 Thanks
    beanielou
    NSD1 yesterday & no 2 today.
    Had a mega fall last week & have a bashed face & panda eyes.
    Concussion.
    Only good side is not spent any money.
    Going stir crazy as no driving.
    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***
    • Nargleblast
    • By Nargleblast 2nd Aug 17, 4:11 PM
    • 9,359 Posts
    • 54,979 Thanks
    Nargleblast
    NSD1 yesterday & no 2 today.
    Had a mega fall last week & have a bashed face & panda eyes.
    Concussion.
    Only good side is not spent any money.
    Going stir crazy as no driving.
    Originally posted by beanielou
    Take some water with it next time, beanie!
    (No, Igor, she does not want a couple of steaks for those eyes. Especially as, knowing you, there is no guarantee as to what kind of animal they came from.)
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash





    October NSDs 11 of 20
    • indigowarrior
    • By indigowarrior 2nd Aug 17, 5:58 PM
    • 274 Posts
    • 1,976 Thanks
    indigowarrior
    Can I join in again. Please sign me up for 15 days and 3 in a row. I am not going to class soft play activities as a spend this month as the weather is awful and I have to entertain my two children somehow whilst I have contact. (They are currently in foster care) and today was a No Spend Day.
    Last edited by indigowarrior; 02-08-2017 at 6:01 PM.
    #545- SPC
    Homeowner by 40
    August Nsd 1/15
    • donkids22
    • By donkids22 2nd Aug 17, 8:08 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Hi can I join in I'm aiming for 10 nsds. Ive already managed 2/10nsds.
    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
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