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We Are Decking the Halls with NSDs December Challenge
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# 1
freebyfifty
Old 27-11-2012, 7:17 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Oct 2011
Location: In a debt hell
Posts: 3,127
Default We Are Decking the Halls with NSDs December Challenge

Welcome to the December No Spend Day (NSD) thread!!

We are a happy (and some might say mildly insane) bunch doing battle with those retailers - and there’s plenty of temptation out there at the moment. We are seriously committed to saving money, but nobody said it can't be done with a smile on your face - so we organise riotous nights out and gatecrash any function going - all without leaving the comfort of our own imaginations or armchairs!

On a slightly more serious note, we are here to help each other avoid spending for the number of days we feel we can manage to try to take back some control over our hard-earned money. What you class as a "spend'" is entirely your choice; some people will try to shop on the days DD/SO etc are paid, whilst others will not include essentials such as rent. Have a look for a post from our sponsor (and godmother of this challenge) BigMummaF, this contains some guidelines and ideas for starting you off on the challenge.

It’s amazing how inventive you get when you’re determined NOT to spend - from weird menu ingredients to surprising DIY solutions - but you know what? 99% of the time those wacky ideas work.


Link to last month's challenge is below so any newcomers can see what we get up to (hmmmmm... on second thoughts, that might put you off...)

http://forums.moneysavingexpert.com/....php?t=4254533
Debt Free by 50. 4 years 2 months and 10 days to go!!!
Studio £531.95 F/Mans £193.98 L/Woods£97.62
August NSD Challenge 24/21
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# 2
freebyfifty
Old 27-11-2012, 7:18 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Oct 2011
Location: In a debt hell
Posts: 3,127
Default The Challengers

1st Target Met 2nd Target Met 3rd Target Met
Target Exceeded



The Challengers

Abundant – 20/19
Armchair – 13/12
BDINI – 15/15 Target Reached 2nd Target Reached 20/20 Target Exceeded 20/21
Beanielou – 11/11 Target Reached 2nd Target Reached 15/15 3rd Target Reached 19/19 Target Exceeded 19/23
Bigmumma – 20/20 Target Reached 2nd Target Reached 24/24
Blindtoast – 20/20 Target Reached
Bottleofred – 15/15 Target Reached Target Exceeded 15/17
BritAbroad – 10/10 Target Reached Target Exceeded 10/13
Chris81418 – 19/19 Target Reached 2nd Target Reached 23/23 Target Exceeded 23/25
Citizenkitten – 20/20 Target Reached
Coolcats – 15/15 Target Reached Target Exceeded 15/16
DanielleNic – 15/4
Debtfree – 12/12 Target Reached
Donna d – 15/15 Target Reached
Dragon – 10/10 Target Reached 2nd Target Reached 15/15 3rd Target Reached 20/20 Target Exceeded 20/23
Emloves – 15/15 Target Reached 2nd Target Reached 18/18
Evertheoptimist – 10/9
Fae – 18/18 Target Reached Target Exceeded 18/19
FallenArcher – 10/4
Fedup – 20/12
Flubbery – 15/15 Target Reached Target Exceeded 15/17
Freeby – 20/20 Target Reached 2nd Target Reached 25/25 3rd Target Reached 28/28 Target Exceeded 28/31
Giggles86 – 8/8 Target Reached
Headabove – 10/6
Hummingbird – 3/3 Target Reached
Ifwishes – 15/15 Target Reached
Jamiedodger – 20/20 Target Reached Target Exceeded 20/22
Kerri – 12/12 Target Reached Target Exceeded 12/14
Kitschkitty – 15/15 Target Reached 2nd Target Reached 18/18
Kururunfa - 15/11
Laura16 – 10/8
Learning2 – 20/15
Lemmings – 15/9
LeoLasagne – 10/7
Liltdiddy – 20/20 Target Reached 2nd Target Reached 23/23
Lottie3000 – 10/7
Loubelle – 12/12 Target Reached Target Exceeded 12/13
Lurvlyloz – 15/15 Target Reached Target Exceeded 15/17
Marmite – 20/20 Target Reached Target Exceeded 20/21
Mcmanlyn – 15/6
Mimi35 – 20/7
ModestyB – 12/12 Target Reached Target Exceeded 12/19
Motoko – 15/15 Target Reached
Muffin man – 10/10 Target Reached Target Exceeded 10/15
Muffy - 10/4
MummyRivett – 10/10 Target Reached Target Increased 20/13
Mummy172 – 8/8 Target Reached Target Increased 13/10
Munchin – 8/8 Target Reached
Nannygladys – 20/17
Nargle – 12/12 Target Reached
NinjaKat – 20/
Nomi01 – 10/7
Penny73 – 9/8
Phoenix – 20/14
P0lly – 20/5
Poohbear – 15/15 Target Reached Target Exceeded 15/19
Purple.sarah – 10/6
Rachel – 10/2
Ranchyroo – 10/10 Target Reached
Rising –12/12 Target Reached Target Exceeded 12/17
Sazzie – 8/8 Target Reached 2nd Target Reached 11/11
Shannys – 10/10 Target Reached 2nd Target Reached 15/15
Silvasava – 12/12 Target Reached
Siouxsie – 20/20 Target Reached Target Exceeded 20/21
Slowlyfading – 15/15 Target Reached Target Exceeded 15/16
Spoony – 15/15 Target Reached 2nd Target Reached 20/20 3rd Target Reached 25/25
Suzitiger – 10/6
Tomandjerry – 20/13
VickyV – 15/15 Target Reached Target Exceeded 15/16
WantToBeSE – 20/12
Young_un – 15/14
Debt Free by 50. 4 years 2 months and 10 days to go!!!
Studio £531.95 F/Mans £193.98 L/Woods£97.62
August NSD Challenge 24/21

Last edited by freebyfifty; 02-01-2013 at 6:48 PM.
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# 3
freebyfifty
Old 27-11-2012, 7:18 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Oct 2011
Location: In a debt hell
Posts: 3,127
Default The In-a-Row Challengers

This is for anyone who wants to set themselves a target for a number of NSDs in a row. We had some impressive numbers on this over the past few months so if anyone would like to have a go at this, I'll add you here


The In-a-Row Challengers

Abundant - 7-in-a-row Target Reached

Armchair - 3-in-a-row

Choppy - 3-in-a-row

Chris - 6-in-a-row Target Reached 7-in-a-row

Citizenkitten - 8-in-a-row Target Reached

Dragon - 4-in-a-row Target Reached

Fae - 7-in-a-row Target Reached

Flubbery - 3-in-a-row Target Reached

Freeby - 7-in-a-row Target Reached 8-in-a-row 9-in-a-row 10-in-a-row 29-in-a-row

LeoLasange - 3-in-a-row

Liltdiddy - 4-in-a-row Target Reached

Missyv - 4-in-a-row

ModestyB - 5-in-a-row Target Reachedx2 6-in-a-row

Muffin Man - 5-in-a-row

Munchin 3-in-a-row Target Reached

Penny73 - 3-in-a-row

Piquant - 3-in-a-row

Purple.sarah - 4-in-a-row

Rainbow - 3-in-a-row

Silvasava - 3-in-a-row Target Reached

Siouxie - 5-in-a-row

Stardrops - 3-in-a-row

VickyV - 3-in-a-row Target Reached 4-in-a-row

Want_to_be - 6-in-a-row

Youngun - 4-in-a-row Target Reached 5-in-a-row
Debt Free by 50. 4 years 2 months and 10 days to go!!!
Studio £531.95 F/Mans £193.98 L/Woods£97.62
August NSD Challenge 24/21

Last edited by freebyfifty; 31-12-2012 at 7:41 AM. Reason: -
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# 4
freebyfifty
Old 27-11-2012, 7:19 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Oct 2011
Location: In a debt hell
Posts: 3,127
Default

Hi lovely NSD gang
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



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 & 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!
Debt Free by 50. 4 years 2 months and 10 days to go!!!
Studio £531.95 F/Mans £193.98 L/Woods£97.62
August NSD Challenge 24/21
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# 5
flubberyzing
Old 27-11-2012, 7:46 AM
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Join Date: Aug 2008
Posts: 900
Default

Ooooh! It's pretty and shiny in here!

Please sign me up for 15 NSD's! That seems to be about the right number for me... Achievable, but enough of a challenge that I have to organise my spends quite carefully!

I've never done the "in a row" part of the challenge before... So... Sign me up for 3-in-a-row to start with please!
Because it's fun to have money!

2014 Freebies!: 2 Dove deodorants, Tesco's Finest potatoes, 2 packs of Always Dailies pantyliners, £24 worth of John Frieda Frizz Ease products, Tesco's Finest pasta, Jacobs bagel chips, 4 Heinz baby food pouches, Optrex Eye Revive Mist, Tesco's Finest steak, £5 Tesco homeware voucher, Hovis granary bread,
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# 6
Purplemumof2
Old 27-11-2012, 7:52 AM
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Join Date: Apr 2007
Location: Is back and more determined than ever
Posts: 3,320
Default

I'm in again. Please put me down for 10 again.

Thanks

Pmo2 x
Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
MBNA: £11225.54/£12097.15 BC: £2658.65/£2710.23 Overdraft: £2750.00/£2750.00
20p Savers 2014 £2 Savers 2014 50p Savers 2014 SPC 7 2014 #003


If you wish to join the 20p or £2 Savers Clubs 2014, please let me know and I'll add you.
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# 7
emslovesmickey
Old 27-11-2012, 7:53 AM
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Join Date: Apr 2012
Posts: 749
Default

Ooh i want the snowmen!!! Put me down for 15 again please!
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# 8
blindtoast
Old 27-11-2012, 7:59 AM
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Join Date: Oct 2011
Posts: 335
Default

Nearly Christmas !

Thanks for the new thread Freeby. I'd like to sign up for 20 NSDs in December - I'm not sure I've ever managed that many but Christmas week should be an easy one as the shops are shut and then I'm at work so no sales shopping for me and I'm trying to be optimistic!! Also I'm hoping for snow which will also hopefully stop me going anywhere to spend - will be too busy building snowmen and throwing snowballs!!

I am going to a victorian Christmas market on Saturday tho so the month probably won't start with a NSD!
No more buying books TBR - . Books read in 2013 = 21. Read own = 8 Read library = 10 Read borrowed = 3.
2014 target = 19/30.
No more buying DVDs ? 2013 = 2. 2014 = 1 /?
Sealed pot challenge member #1733
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# 9
chris81418
Old 27-11-2012, 8:12 AM
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Join Date: Feb 2009
Posts: 910
Default

Hello everyone!

Thanks for the December thread Freeby, you're an

I'd like to pledge my usual lucky 19 NSDs and 6 NSDs in-a-row please, thank you!

Have a good December everyone!
Proud to be dealing with have dealt with my debts!
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
debt free date: 31/12/2012 £0!
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# 10
rising from the ashes
Old 27-11-2012, 8:17 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Oct 2010
Location: In my wee bit of Bonnie Scotland
Posts: 11,617
Default

Ohhhhhh Freeby ..... you've excelled yourself with the prizes this month - they are absolutely lovely (see I'm not a total scrooge - even tho' the C isn't my favourite time of year!)

I want them all ......

As always, thanks to all the wonderful updates of the thread - Freeby, BDINI, Spoon, Marmite .... (lordy, who've I forgotten) - you are all and we couldn't do it without you.

Thinking about my target & will report back later on!
Starting again - back on the frugal MSE journey
Groceries & Toiletries: Annual £2080
CCP claim success!

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# 11
slowlyfading
Old 27-11-2012, 8:29 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Dec 2006
Posts: 11,342
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December....?! Already.....?!

Best put me down for 15 NSDs please - lots of birthdays (including mine ) and christmas this month!
Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
2014 Frugal Challenge Member // Sept NSD - 11/20 // SPC #004
Engaged 14/08/10 // Married 31/03/12
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# 12
Motoko
Old 27-11-2012, 8:47 AM
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Join Date: Dec 2007
Posts: 241
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Going out on a limb here, please put me down for 15 NSD's
DEBT FREE on the 23rd December 2013

Sealed pot 7 no 1894
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# 13
Loubell83
Old 27-11-2012, 8:56 AM
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Join Date: Jul 2011
Location: Edinburgh
Posts: 268
Default

Oooh December...I have 2 Xmas night outs to go on...therefore I will commit to 12 NSDs this month.

Managed to hit 10 last month so hopefully I can increase by 2!
CC debt at 03/12 £12000
CC debt at 03/14 £1473 (5 months to go!)
Loan - £9105.60 (27 months to go )
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# 14
icklepiggle
Old 27-11-2012, 8:57 AM
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Join Date: Dec 2007
Location: In cloud cuckoo land!
Posts: 100
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Going to adjust target for dec to try & make sure i achieve it!


8 NSDs please

Xx
DMP for 6 months & going well!
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# 15
StressedSteph
Old 27-11-2012, 9:18 AM
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Join Date: Dec 2007
Location: Deepest Darkest Dorset
Posts: 2,019
Default

Hi all, Think I will join in this month. As I have virtually NO FUEL in my car so I can't get out to spend any money so am going to try for 18 NSD's.

Just got to avoid the dreading internet shopping. This is my downfall.
(Relaxed in your armchair shopping with virtual not real money) Its too darn easy....

Ok Rant over.....too chicken to try in a row though as not very good at planning ahead for miscellaneous kiddie expenses (Christmas disco's etc)

I will try some in a row in January xxx
Argos £395 / Barclays £850 / Next £1972 Littlewoods (£2479) - £831 /
Co-op cc (£1852) - £1339 / OD (£3264) - £2284 / Tesco CC (£5336) - £4486
Virgin CC (£4371)-£2983 - Nov 2013 £20519 - Aug 2014 £11923.
Oct Goal - Under 11k - Oct £0 / Savings £0 -
Pay10k in 2014 - 86% paid- YNAB, M Lewis and Dave Ramsey fan

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# 16
Fae
Old 27-11-2012, 9:20 AM
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Join Date: Jun 2012
Posts: 663
Default

Love the prizes, I want them all

I will go for 18 NSD with 7 in a row please

Fae
LBM 29/10/2013 £14,218.00 As of 13/04/2014 £6477.00
Paid 54%
3 months to go 13 weeks
DFD 28th August 2014
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# 17
ModestyB
Old 27-11-2012, 9:29 AM
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Join Date: Sep 2009
Posts: 1,376
Default

Hi Freeby, thanks for the new thread. Thanks too to all our lovely updaters.
I'd like to go for 12 NSD's this month. Try and make it the 12 nsd's of Christmas. I actually managed 6 in a row in November so I'll try for 5 in a row this month.

Hello to all our newcomers.
Good luck to everyone.
S.P.C. No. 062 2013 Total £521.65 2014 Banked £315
My sparkly stars off Sue.
Me & ETO are Sue's


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# 18
Casperthefriendlyghost
Old 27-11-2012, 10:14 AM
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Join Date: Feb 2007
Location: The 51st Century is a good place to be!
Posts: 930
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Hi everyone! I'd love to join too. Am trying really hard to set up some good habits for 2013 when there'll have to be a lot of debt busting! Freeby, thanks for the new thread. I've been following it all but this month I'll take the plunge and join, and, yes I want all those snowmen too! They're sparkly and festive

My aim is to have 20 NSDs until the end of December 2012.

Thanks for having me x

Cheers
Casper
xx
LBM Feb 09 £64 427.32 £31 607.96! Sub £35 000!
DFD August 2017
GC 30Aug - 30Sep £40.00 SSF £02.38
NSD 02/20 WSC (01-07) £05 SSF £00.00 DFW Nerd 319 Proud To Be Dealing With My Debts!
"Captain Jack Harkness! When will you learn that you can't solve every problem by shagging it?!"
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# 19
silvasava
Old 27-11-2012, 11:32 AM
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Join Date: Jul 2008
Location: Hampshire
Posts: 1,157
Default

Ooooh - what a lovely start to the December thread - really pretty!
Can I sign up for 16 NSD's please & 3 in a row?
Small victories - sometimes they are all you can hope for but sometimes they are all you need - be kinder than necessary, for everyone you meet is fighting some kind of battle 5:2 Diet 148.5lb - Target 145lb
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# 20
lemmings1986
Old 27-11-2012, 11:40 AM
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Join Date: Apr 2011
Posts: 441
Default

hi freeby thanks for new thread
can i join for december please i break off next week for 3 weeks holiday and then im on maternity leave so im hoping for lots of nsd's so can you please put me down for 15 nsd thanks goodluck all for the december challenge
VSP#17 £2.34
debt free 26/10/2012
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