Main site > MoneySavingExpert.com Forums > Essential Money > Debt-Free Wannabe > We Are Decking the Halls with NSDs December Chall... (Page 19)

IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
We Are Decking the Halls with NSDs December Challenge
Reply
Views: 26,657
Thread Tools Search this Thread Display Modes
# 361
bottleofred
Old 06-12-2012, 9:51 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Apr 2010
Posts: 2,867
Default

Good evening folks,

Thanks to everyone for the hugs and good wishes etc. My mum had a heart operation on Tuesday and is on the mend, so things are good. I am declaring NSDs 2, 3 and 4 for the week. BDNI, I hope you get the work problem sorted out soon, as it's horrible to be in that position
Beanie, that was horrible luck with the punctures
I'm sending you and anyone else who needs them hugs
If you've nothing decent to say, perhaps you shouldn't say anything.

Saving to buy something for me £35
£2 savings jar £202
Total credit card debts £2400 - Will I ever learn!!
bottleofred is offline
Reply With Quote Report Post
The Following 14 Users Say Thank You to bottleofred For This Useful Post: Show me >>
# 362
beanielou
Old 06-12-2012, 9:55 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Feb 2006
Location: Scotland
Posts: 39,325
Default

red~so glad that your mum has had her operation and seems to be on the mend
Remember to look after yourself too xx
Lou~ Debt free Wanabe No 55 DF 03/03/14.
**Credit card debt free 30/06/10~** **Weight loss 3 stone 3 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.
Make it count!!
beanielou is offline
Reply With Quote Report Post
The Following 11 Users Say Thank You to beanielou For This Useful Post: Show me >>
# 363
ifwisheswerehorses...
Old 06-12-2012, 10:00 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jan 2010
Location: Here and there..............mainly there :o)
Posts: 32,471
Default



Quote:
Originally Posted by freebyfifty View Post

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!
"If wishes were horses, then beggars would ride"
BSC Member 310
ifwisheswerehorses... is offline
Reply With Quote Report Post
The Following 8 Users Say Thank You to ifwisheswerehorses... For This Useful Post: Show me >>
# 364
liltdiddylilt
Old 06-12-2012, 10:13 PM
Serious MoneySaving Fan
 
Join Date: Nov 2012
Location: Hogwarts School of Witchcraft & Wizardry.. Term-time only
Posts: 904
Default

Hello all

Drifting in to declare NSD #5 for the month. 3 in a row so far. If I make tomorrow NSD I will at least have met my 4 in a row target!! Woohoo!!!

Well done everyone, red, glad to hear your mum has had the op & getting better. Keep up the good work peoples xx
FD Saver: £2700.00/£3600.00 - Emergency Fund £916.09/unlimited
"A black belt only covers 2 inches of your a$$. You have to cover the rest." - Royce Gracie
liltdiddylilt is online now
Reply With Quote Report Post
The Following 9 Users Say Thank You to liltdiddylilt For This Useful Post: Show me >>
# 365
kitschkitty
Old 06-12-2012, 10:39 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jul 2007
Posts: 3,117
Default

NSD 2 today, had thought I'd have at least 1 more this week, but have been out and about more than I expected.

On Monday I had my printing class, Tuesday as I had to pop in to see our letting agents, and took advantage of the money off vouchers I had for Aldi, then yesterday I went to a learners, achievement presentation and did some food shopping afterwards. Planning on staying in the next few days, so will hopefully nab a few more NSDs.
A waist is a terrible thing to mind.
kitschkitty is offline
Reply With Quote Report Post
The Following 9 Users Say Thank You to kitschkitty For This Useful Post: Show me >>
# 366
MummyRivett
Old 07-12-2012, 7:07 AM
MoneySaving Stalwart
 
Join Date: Dec 2012
Location: Greenwich
Posts: 228
Default

Whoop I have 6NSD in a row now, I think today I may be breaking the chain as sadly one of my friends at work died and I do want to give to the collection. But I do think I have had a good run.
"One Day At A Time, Sweet Jesus"
November 1st 2013 Total Debt £13,460.65
MummyRivett is offline
Reply With Quote Report Post
The Following 10 Users Say Thank You to MummyRivett For This Useful Post: Show me >>
# 367
rising from the ashes
Old 07-12-2012, 7:22 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Oct 2010
Location: In my wee bit of Bonnie Scotland
Posts: 11,593
Default

Quote:
Originally Posted by bottleofred View Post
Thanks to everyone for the hugs and good wishes etc. My mum had a heart operation on Tuesday and is on the mend, so things are good.
Ohhh Red great news that the Ops been done (it's always horrible waiting for these to happen....) and that your Mum is recovering well
Starting again - back on the frugal MSE journey
Groceries & Toiletries: Annual £2080
CCP claim success!

rising from the ashes is offline
Reply With Quote Report Post
The Following 10 Users Say Thank You to rising from the ashes For This Useful Post: Show me >>
# 368
citizenkitten
Old 07-12-2012, 7:57 AM
MoneySaving Stalwart
 
Join Date: Aug 2012
Location: the cupboard underneath the stairs
Posts: 419
Default

just tidying up for yesterday

kururunfa - This is
NSD #2 well done such an excellent start to a late joiner.

ModestyB -
NSD 3 can you make your OH talk to my OH??

MummyRivett -
6NSD sorry to hear and i wouldnt count that as a spend.I have a tenner in my purse for random but necessary spend. I count when i take out the £10 as a spend, but i dont when i use it. I dont replace till i use it up.

kitschkitty
NSD 2 - stay at home where it is nice and warm

liltdiddylilt - NSD #5 for the month. 3 in a row so far.

bottleofred-
NSDs 2, 3 and 4 glad to hear your mum is recovering well, take care of yourself too

Nargleblast
-NSD number 1 you can mount mine too! then we can have it as the star on top of the christmas tree

VickyV- ooh lucky you! NSD
#3

mummy172-
NSD 3 hey we are all allowed chocolate in these dark cold days

JAMIEDODGER- Number 4 - same as me yesterday whoop! go us!


and to finish up - NSD 4 FOR ME YESTERDAY! I starved and i went round scrounging other people's biscuits at work LOL but all for that NSD! Phew! have no idea what i am doing today but got a very busy weekend coming up, off back to where i grew up to see my dad's grave and some people before christmas.

IF YOU THINK YOU ARE SO CLEVER, THEN WHY ARE'NT YOU RICH?
Debt = 21,003.22 0! /Car 4500 2875
Savings 12k in 2013: NUMBER 093 = 1100.31/4000
Wedding fund 1045/3500 LOL!

Crazy Clothes 2013 NO 002= 376.64/500/No MoreBooks 0/30
citizenkitten is offline
Reply With Quote Report Post
The Following 12 Users Say Thank You to citizenkitten For This Useful Post: Show me >>
# 369
BigMummaF
Old 07-12-2012, 8:07 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jul 2007
Location: South of the Borders, but not Mexico way.
Posts: 4,184
Send a message via Yahoo to BigMummaF
Default

You had a lucky escape there RFTA..I was gunna give you a SHOUT to make sure you were up Hope it goes well & just remember, all the time you're there, you are using their heat & light while you mend

Quote:
Originally Posted by ifwisheswerehorses... View Post
Afternoon all


Got my 3rd NSD

Thank you
IF…x



Click on link, hopefully it will make you all smile

---------- > Reindeer and Santa Singing
I loved it Think I may pinchfind a link to use for my online greetings. You have an incredible knack of finding the exact thing to cheer us up...Power to Your Posts

I've got to No 6 by taking seasonal employment as an in the Alternate Illusory Dept (wrapping prezzies to you & me ) while the wind winded & the rain rained yesterday. Shame Muvva ain't got an open fire to complete the wintery scene, but I guess living on the top floor of a block of flats may be a bit of a hurdle to that one....
Full time Carer for Mum; harassed mother of three;
loving & loved by two 4-legged babies.

BigMummaF is offline
Reply With Quote Report Post
The Following 11 Users Say Thank You to BigMummaF For This Useful Post: Show me >>
# 370
young_un
Old 07-12-2012, 8:11 AM
MoneySaving Convert
 
Join Date: Aug 2012
Location: A little backward town in the east riding of yorkshire
Posts: 86
Default

Sadly no NSD for me yesterday BUT I am definately getting better at this MSE lark went to a work do and withdrew my usual £70 for a night out came home at 2am this morning having only spent £25 (this includes taxi) very proud of myself :P
Hope everyone is feeling okay today, sending big hugs and love to those that need it
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
young_un is offline
Reply With Quote Report Post
The Following 9 Users Say Thank You to young_un For This Useful Post: Show me >>
# 371
slowlyfading
Old 07-12-2012, 8:17 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Dec 2006
Posts: 11,323
Default

Finally, NSD 3 for me today

I'm not doing so well on this challenge so far...
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 - 7/20 // SPC #004
Engaged 14/08/10 // Married 31/03/12
slowlyfading is offline
Reply With Quote Report Post
The Following 9 Users Say Thank You to slowlyfading For This Useful Post: Show me >>
# 372
blindtoast
Old 07-12-2012, 8:34 AM
MoneySaving Stalwart
 
Join Date: Oct 2011
Posts: 334
Default

Finally got NSD #2 yesterday! Spent the evening in watching Muppets Christmas Carol!
No more buying books TBR - . Books read in 2013 = 21. Read own = 8 Read library = 10 Read borrowed = 3.
2014 target = 18/30.
No more buying DVDs ? 2013 = 2. 2014 = 1 /?
Sealed pot challenge member #1733
blindtoast is offline
Reply With Quote Report Post
The Following 10 Users Say Thank You to blindtoast For This Useful Post: Show me >>
# 373
MuffinTops
Old 07-12-2012, 8:42 AM
Serious MoneySaving Fan
 
Join Date: Nov 2011
Location: Fantasy Land
Posts: 1,036
Default

Eek, it's the 7th and I'm only declaring yesterday's NSD2.

Must try harder! I know I'll make the 10 I pledged, but 2 NSD's out of 7 potentials is showing room for improvement.

Well done everyone else for showing me how it's done! Yay!!!
Mortgage 01 October 2012 = £61,000.00
Paid off 01 April 2014


Mortgage Free In Three (T3) No: 39
MuffinTops is offline
Reply With Quote Report Post
The Following 12 Users Say Thank You to MuffinTops For This Useful Post: Show me >>
# 374
BigMummaF
Old 07-12-2012, 8:42 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jul 2007
Location: South of the Borders, but not Mexico way.
Posts: 4,184
Send a message via Yahoo to BigMummaF
Default

Quote:
Originally Posted by citizenkitten View Post
....got a very busy weekend coming up, off back to where i grew up to see my dad's grave and some people before christmas.

Hope you get some time to enjoy your w/e amongst all the hustle & bustle CK. Back BC (before children) The Offspring's dad & I used to take his grandmother around the family, so she could see them all & deliver the gifts she'd gathered over the previous 12mths. Considering she had seven (another lives abroad) children & almost 50 grandchildren living in a 10 mile radius, it took two weekends to complete as she'd sit in each & wait till offered something more than a cuppa By the time we got her home she was more than a little squiffy but insisted we stayed for some supper. One uncle was always the last call as he spoiled her rotten with meat fresh from the farm & just left the bottle of brandy by her side. After the second year we persuaded her to go on the Saturday that w/e as there's no way we could get her back before the early hours & we had work on Monday!

I must contact the florist soon as I order particular colours of carnations
& Mum has a little arrangement made, to be collected Xmas Eve. Christmas morning I go up to the Cemetery; the tradition began after FIL passed over 30yrs ago & sadly the numbers have grown, but it is not a sad place to be. Mum used to think I was weird til she came with me after losing Dad, & saw the incredible number of other relatives who do the same. When it's a glorious winter sun we sit & watch the people & birds, then move to the older part to spot the squirrels scurrying around the knarled trees.
Somehow, this act of remembrance completes my Dec 25th & gives me half an hour of peaceful reflection before entering the commercial world once again.
Full time Carer for Mum; harassed mother of three;
loving & loved by two 4-legged babies.

BigMummaF is offline
Reply With Quote Report Post
The Following 10 Users Say Thank You to BigMummaF For This Useful Post: Show me >>
# 375
marmiterulesok
Old 07-12-2012, 8:43 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Feb 2010
Location: Next to the teapot.
Posts: 3,618
Default

Quote:
Originally Posted by ModestyB View Post

A miracle happened today, DH actually listened to me when I said don't buy anything unless we really need it and he didn't buy anything from the cash & carry! So that makes NSD 3 for me today.

Well done DH!

Quote:
Originally Posted by bottleofred View Post
Good evening folks,

Thanks to everyone for the hugs and good wishes etc. My mum had a heart operation on Tuesday and is on the mend, so things are good.
That's great red.I hope that things go smoothly for her.

Quote:
Originally Posted by young_un View Post
Sadly no NSD for me yesterday BUT I am definately getting better at this MSE lark went to a work do and withdrew my usual £70 for a night out came home at 2am this morning having only spent £25 (this includes taxi) very proud of myself :P
Hope everyone is feeling okay today, sending big hugs and love to those that need it
Xx
£70!Well done on showing such restraint!

Happy Friday everyone.
NSD 2014 Jan 19/19 Feb 20/20 Mar 19/19 April 18/19 May 19/19 June 19/19 July 21/19 August 17/15 Sept 7/10
NSD total so far (2014)= 159

NSD 2013=219 NSD 2012 = 226
marmiterulesok is online now
Reply With Quote Report Post
The Following 8 Users Say Thank You to marmiterulesok For This Useful Post: Show me >>
# 376
ifwisheswerehorses...
Old 07-12-2012, 9:22 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jan 2010
Location: Here and there..............mainly there :o)
Posts: 32,471
Default

Morning my no spendy chums

It's Friday time for a wiggle




Quote:
Originally Posted by BigMummaF View Post



I loved it Think I may pinchfind a link to use for my online greetings. You have an incredible knack of finding the exact thing to cheer us up...Power to Your Posts
Thank you
"If wishes were horses, then beggars would ride"
BSC Member 310
ifwisheswerehorses... is offline
Reply With Quote Report Post
The Following 7 Users Say Thank You to ifwisheswerehorses... For This Useful Post: Show me >>
# 377
WantToBeSE
Old 07-12-2012, 9:32 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jul 2012
Location: Cornwall
Posts: 5,084
Default

Morning

declaring yesterday as NSD#5
Today isnt going to be a NSD as i am off to Lidl shopping in a bit.
WantToBeSE is offline
Reply With Quote Report Post
The Following 10 Users Say Thank You to WantToBeSE For This Useful Post: Show me >>
# 378
Fae
Old 07-12-2012, 10:38 AM
MoneySaving Stalwart
 
Join Date: Jun 2012
Posts: 663
Default

Not a NSD for me today, as need to buy a few bits for the family pre Christmas meal I am doing tomorrow, but at least it's in a good cause, and my menu is very MSE

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
Fae is offline
Reply With Quote Report Post
The Following 8 Users Say Thank You to Fae For This Useful Post: Show me >>
# 379
abundant1972
Old 07-12-2012, 10:50 AM
Serious MoneySaving Fan
 
Join Date: Jan 2012
Posts: 820
Default

Hey All,

Planned spend days for today and tomorrow, and so am still sitting at:

NSD number 5


Debt Free by October 31st 2014 : Remaining Debt = £1175.00/£12,500 (91.6% Cleared)
1 Debt vs 100 Days : £1075/£2250 by 09th October

*** As my debt diminishes - the door to financial freedom opens that bit more ***
September Squirrels # 24 : SFD =1/15 : Food/Spends =£20.00/£60 : Gym =5/12 Sessions
Payment a Day : £50.00 so far
abundant1972 is offline
Reply With Quote Report Post
The Following 7 Users Say Thank You to abundant1972 For This Useful Post: Show me >>
# 380
chris81418
Old 07-12-2012, 10:53 AM
Serious MoneySaving Fan
 
Join Date: Feb 2009
Posts: 910
Default

Good morning everyone!

Another flying visit to report that NSD number 4 was caught on Wednesday! Unfortunately, I had to buy supplies yesterday, but hope to jump straight back onto (and stay on) the NSD wagon!

Quote:
Originally Posted by butdoineedit? View Post
chris81418 - well done for number 3, you’re doing great!!
Thanks BDINI! And it looks like (((hugs))) are needed all round.

Enjoy that Friday feeling everyone and have a good wiggle!
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!
chris81418 is offline
Reply With Quote Report Post
The Following 8 Users Say Thank You to chris81418 For This Useful Post: Show me >>
Reply

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 12:28 PM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 10 September 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • THE SCRIPTNO SOUND WITHOUT SILENCE
  • TRAINBULLETPROOF PICASSO
  • SAM SMITHIN THE LONELY HOUR (DELUXE EDITION)

MSE's Twitter Feed

profile
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.