We Are Decking the Halls with NSDs December Challenge
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Good morning everyone! :wave:freebyfifty wrote: »Chris81418 – Well done on NSD #4 & 5.:T You are racking them up now. :T Do you ever sleep?????:)
Thanks freeby! And NSD number 6 was caught yesterday! :j Unfortunately, work means my waking hours can sometimes be all over the place ... I make up for it though when my head eventually hits the hay! Hope you're not to shook up and have recovered from your bump. (((Hugs))).
Have a good rest of the weekend everyone!:money: Proud to [STRIKE]be dealing with[/STRIKE] have dealt with my debts! :money:
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 _pale_
debt free date: 31/12/2012 £0!0 -
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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Morning all
"If wishes were horses, then beggars would ride"
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Friday was NSD 5/15 :jFacing up to things - nov 2012 total 9334.95
back to work after baby -Jan 2014 - total [STRIKE]6905.28 [/STRIKE](1 credit card) £3535
Debt Free Date March 8th 2017 (31st birthday)0 -
NSD 6 for me yesterday
FaeLBM 29/10/2013 £14,218.00 As of 13/04/2014 £6477.00
Paid 54%
3 months to go 13 weeks
DFD 28th August 20140 -
hi all hope everyone is well hugs to those that need them.:)
just reporting nsd 5 today.
ive been busy decorating front living room.
and have got some beef skirt,mushrooms and onions in slow cooker its smelling lovely which will be made into 3 pies 1 for tea tonight and 2 for freezer.
hope everyone has a good weekend what left of it!VSP#17 £2.34
debt free 26/10/20120 -
Up to NSD 8 now. Tomorrow won't be an NSD because i need to post my best mate's christmas present, and get food for work.0
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Afternoon everyone. Well after playing taxi for OH on Friday night, and being up early on Sat, today is deff a pj day.
Not a NSD yesterday as had my hair cut / coloured. Then went round to a friends for some xmas / hanukkah tipples which was lovely, followed my me and OH hitting the local pub. My token coke between beers didn't really cut the mustard so a bit of a sore heed today
I also managed to chip one of my front teeth on a beer bottle last night (don't ask, long story) which is really annoying. I feel like a total hillbilly with a broken gnasher and am rather peeved as I don't have so much as a filling to date :mad: was the result of some silly horseplay - argh! It's not a massive chip (though feels bigger than it is) just hope it doesn't affect the rest of the tooth, and going to have to phone my dentist tomorrow. Just hoping that he'll repair it under my dental cover as it's visible at the front and it's not classed as cosmetic as that could be one costly bottle of beer :eek:
Freeby - sorry to hear about the car xx
Oh, nearly forgot - declaring NSD # 3 - have to get my bottom in gear if I'm going to hit target this month.Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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NSD 7 for me, tomorrow should be as well but I will need some milk soon
Jxx2024 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 -
Look who I found on the coupon drivel thread
Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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