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  • FIRST POST
    freebyfifty
    We Are Decking the Halls with NSDs December Challenge
    • #1
    • 27th Nov 12, 7:17 AM
    We Are Decking the Halls with NSDs December Challenge 27th Nov 12 at 7:17 AM
    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 theres 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.

    Its amazing how inventive you get when youre 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/showthread.php?t=4254533
    Free by Fifty

    Debt of the Moment -
    August NSD Challenge 14/15
Page 15
  • Fae
    NSD 4 for me today

    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
  • The Dragon
    I hope you feel okay today Freeby, more hugs coming your way from me!
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup
    NSD 15/20, OS WL 21-6 (4) C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - 39.43
    Every Penny's a Prisoner
  • solventsoon
    Not a good nights sleep I kept going over and over it in my head. The insurance company are coming to take the car away today and it is touch and go whether it is a write-off or not The lady I hit was lovely, she actually couldn't have been nicer, she said she saw me coming down the hill and knew I had hit ice and couldn't stop She was fine with (to my eyes) very little damage to her car, it looked like I had just knocked a wheel trim off. Thankfully we are all okay, it could have been worse.
    Thank you rising
    Originally posted by freebyfifty
    (((hugs))) Freeby, losing control of a car on ice is really frightening. I'm pleased you're all OK albeit shaken up which is understandable. What a lovely lady though, that's quite unusual these days unfortunately.

    Hope you can take a day or two off to rest and recover, even though you're not injured physically something like that is a shock and you need to look after yourself and DD2.

    Take care (((hugs)))
    The time you enjoy wasting is not wasted time
  • suzitiger





    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!
    Don't turn a slip up into a give up
    *NSD Challenge Jan 0/10* *10 a day challenge Jan 123.06/310*
    Debt Free by Xmas 2014 challenge!#3 0/6,000
    No buying unnecessary toiletries challenge-in it for the long haul


  • suzitiger
    Gosh it is snowing really heavily 'oop north today. I resisted putting the heating on until just now, my hands are numb and I'm wearing so many layers so on it goes!
    Freeby, I hope you are OK today, glad that it was just a little crash but so sorry to hear about how scary it must have been! Glad it was no worse. Big ((((((((HUGS))))))))) to you xxx
    Don't turn a slip up into a give up
    *NSD Challenge Jan 0/10* *10 a day challenge Jan 123.06/310*
    Debt Free by Xmas 2014 challenge!#3 0/6,000
    No buying unnecessary toiletries challenge-in it for the long haul


  • solventsoon
    Morning all


    Originally posted by ifwisheswerehorses...
    Brilliant, thanks If, it made me smile

    We've had a mixture of snow and rain since Sunday night in the town,so not much snow left.They've forecast more snow at the end of the week.I am glad to have my long sleeved Damart vests and woolly socks though!
    Originally posted by marmiterulesok
    marmite, I hope you don't get too much more snow, I bet you are glad of the Damarts

    Thanks for the mega update!
    Originally posted by marmiterulesok
    It's a pleasure

    Hopefully I'll nab no. 4 today.
    Originally posted by marmiterulesok
    Fingers crossed
    The time you enjoy wasting is not wasted time
    • beanielou
    • By beanielou 5th Dec 12, 11:39 AM
    • 41,930 Posts
    • 139,121 Thanks
    beanielou
    Oh freeby , so sorry to hear that.
    It gives you such a fright.
    Take care xxx
    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.
  • silvasava
    NSD No 3 today please.
    Hoped I'd get one yesterday but the bulb went on my sewing machine (only had it about 25 years!!) & needed to get another. Looked round the local shops......but I did get a very nice LBD for a christmas function with 40pct off! Going to bling it up with what I've already got.
    Finished the doorway curtain for my utility & mended some old overalls for DH. I got him to get down my fabric stash from the loft when he did the decorations - WOW - I'm going to have to get cracking on some of that - too nice to sit in a poly bag in the loft

    freeby so glad you are OK- it does shake you up & I can empathise with that feeling of 'what could have happened' but it DIDN'T and you and the other lady are unhurt
    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 147lb - Target 147lb
  • blindtoast
    Hmmm this month is proving harder than I thought it'd be - little spends keep creeping up on me and I seem to keep losing NSDs because I run out of pet food - this time its the cat - tho I've bought some rabbit food at the same time so it should be a while before I have to buy any more! At least I've stopped buying lunch every day and all the little bits which all added up. don't mind so much if its essential things.

    Fingers crossed for tomorrow - don't think I have anything planned so I should be ok - tho thats what i thought yesterday!!

    Well done to everyone who is catching their NSDs!
    No more buying books TBR - .
    Books read in 2014 = 25
    2015 target 12/30.
    No more buying DVDs ? 2015 target 14/26
    Sealed pot challenge member #1733
    • liltdiddylilt
    • By liltdiddylilt 5th Dec 12, 3:16 PM
    • 4,017 Posts
    • 28,031 Thanks
    liltdiddylilt
    Hello all

    Just popping in to declare NSD #4

    Freeby
    that is terrifying, very glad you are ok but such bad news about the car.
    NST June: SFD: 11/20 Groc/Toil/House: 0/250
    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • young_un
    Just a quickie to report NSD #5 and now 5 in a row yay
    Xx
    Weight loss 0/37lb Vanquis 1476 Capital One 380
    Nov 2012 NSD 15/15 Dec 2012 NSD 14/15 5 in a row SPC #1874 Overdraft 800
  • ModestyB
    Freeby, I'm glad you and your DD weren't hurt. Hope you get good news about the car. Please take care.

    NSD 2 for yesterday.
    S.P.C. 8 2015 No. 062 Banked 260
    My Gold Stars off Sue.
    • abundant1972
    • By abundant1972 5th Dec 12, 5:11 PM
    • 946 Posts
    • 6,376 Thanks
    abundant1972
    Hi everyone... managed another NSD today thanks to some lovely kind people who laid on a free lunch for us... I'm very grateful!!! The Universe rewards us in unexpected ways sometimes!!!

    Today = NSD number 4

    :rudolf:
    *** DEBT FREE ***
    Mindfulness 0/30. Workouts 0/14
    NST September (Spent): Food/Spends - 50.00/200.00. SFD - 0/15

    Emergency Fund: 750.00/1000.00 Saved
    Follow your heart & be true to yourself always

  • fedupandskint
    NSD 3 for me today - I paid for my haircut using money I drew out yesterday for this after getting a bit of food and the last pressie yesterday

    Aiming for NSD tomoz
    NSD Sept 0/30 2015 GC 1440 clothes no spend Sept 0/30
    final unsecured debt to repay currently 12632.33
    VSP no.121 108.65 SPC no.16
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • freebyfifty
    Thank you to everyone for their thoughts and hugs. You are all lovely
    I now have a brand new 62 plate courtesy car sitting at my front door. I won't want to give it back
    I had to go to work today because I was at a training event I've had a splitting headache all day that just won't shift but apart from that we are all fine.

    Thank you again, you are all truly a brilliant support
    Free by Fifty

    Debt of the Moment -
    August NSD Challenge 14/15
    • MummyRivett
    • By MummyRivett 5th Dec 12, 5:41 PM
    • 350 Posts
    • 3,597 Thanks
    MummyRivett
    Looks like today is #5 NSD can't believe I've held out so long. Half way to my target
    CHALLENGES FOR 2015
    12K for 2015 Member No: 141 / 1 a Day for Xmas 2015 500/365 / 12lb in 12 Weeks 9 /12
    • beanielou
    • By beanielou 5th Dec 12, 5:52 PM
    • 41,930 Posts
    • 139,121 Thanks
    beanielou
    NSD no 5 today.
    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.
  • laura16
    NSD number 2 for me today
    Sealed pot challenge 1875
    • marmiterulesok
    • By marmiterulesok 5th Dec 12, 6:35 PM
    • 5,775 Posts
    • 30,357 Thanks
    marmiterulesok
    Thank you to everyone for their thoughts and hugs. You are all lovely
    I now have a brand new 62 plate courtesy car sitting at my front door. I won't want to give it back
    I had to go to work today because I was at a training event I've had a splitting headache all day that just won't shift but apart from that we are all fine.

    Thank you again, you are all truly a brilliant support
    Originally posted by freebyfifty
    I hope that the headache disappears soon.Have you taken any analgesics?Could you take a day off tomorrow if you've still got a headache?If it continues,maybe you should see your GP?You might just need a day or two to yourself.
    to the 'new' car!

    spoon I went out today in my long-sleeved damart vest,cashmere jumper,woollen coat etc. and was too hot after a while!I hadn't worn the long-sleeved vest before,but it makes such a difference.Roll on winter,I'm ready for you!

    I also got #4 today.I was going to go to the cinema with a pre-paid ticket,but can't face going out again now.
    NSD September 0/10 J20 F18 M18 A17 M26 J23 J19 A22 ~ NSD total '15 163/227
    • rising from the ashes
    • By rising from the ashes 5th Dec 12, 6:44 PM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    spoon I went out today in my long-sleeved damart vest,cashmere jumper,woollen coat etc. and was too hot after a while!I hadn't worn the long-sleeved vest before,but it makes such a difference.Roll on winter,I'm ready for you!
    Originally posted by marmiterulesok
    I'm debating with myself whether to buy some more thermals .... I did buy some recently but they were short sleeved, thinner ones for work (where it's a lot warmer than my house!).

    I have enough extra thick (long sleeved & bottoms) to do "normally" (ie cover Sat & Sun & dog walks during the week) but being in the house all the time just now, I'm struggling to keep them washed / available to wear.

    Looks like I could be stuck in the house a while yet so may have to buy another set


    Yesterday wasn't one of my better ones - managed to knock my iron off the shelf in the kitchen yesterday and it smashed (my fault) and I forgot to collect a prescription from the Drs when I had to go to town for an Appt .... meaning I had to drive there again today (8 miles each way) .... *sigh* - memory is like mince just now!

    Not doing well on the money saving front this week!

    So ... no more NSDs to add yet - will try hard for one tomorrow! (and still not started the C shopping it's looking more & more likely everyone will be getting a bottle from the SM!
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
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