Main site > MoneySavingExpert.com Forums > Essential Money > Debt-Free Wannabe > We Are Decking the Halls with NSDs December Chall... (Page 2)

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: 26,823
Thread Tools Search this Thread Display Modes
# 21
ifwisheswerehorses...
Old 27-11-2012, 1:15 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jan 2010
Location: Here and there..............mainly there :o)
Posts: 32,725
Default ~ Welcome to December's NSD Challenge ~



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 >>
# 22
ifwisheswerehorses...
Old 27-11-2012, 1:16 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jan 2010
Location: Here and there..............mainly there :o)
Posts: 32,725
Default

Big Thank you to Freeby for doing December's NSD thread xx





Thanks to all who do the updates too, you are all stars




Could you put me down for 15 NSD's please

Thank you
IF...x
"If wishes were horses, then beggars would ride"
BSC Member 310
ifwisheswerehorses... is offline
Reply With Quote Report Post
The Following 15 Users Say Thank You to ifwisheswerehorses... For This Useful Post: Show me >>
# 23
choppy34
Old 27-11-2012, 1:25 PM
MoneySaving Convert
 
Join Date: Dec 2011
Posts: 62
Default

Hello

This will be m first challenge so am keeping it achievable!

Put me down for 9 NSD with 3 in a row

Good luck everyone x
December 11 2012 balances
HSBC CC 1700 now 1190 <------ aim to pay £700 by end 2012
Barclay CC 3600 now 3541
Barclay CC2 7900 now 6962
Also a £10k loan to pay off........... months to go 59 58
LBM 29/10/12
choppy34 is offline
Reply With Quote Report Post
The Following 11 Users Say Thank You to choppy34 For This Useful Post: Show me >>
# 24
phoenix_dragon
Old 27-11-2012, 3:10 PM
MoneySaving Stalwart
 
Join Date: Dec 2009
Posts: 403
Default

Hi, please can I sign up for 20 NSDs? I'm going to be more successful in December than November, if only because I barely have a penny to my name.
phoenix_dragon is offline
Reply With Quote Report Post
The Following 11 Users Say Thank You to phoenix_dragon For This Useful Post: Show me >>
# 25
laura16
Old 27-11-2012, 3:57 PM
MoneySaving Stalwart
 
Join Date: Jul 2009
Location: Rotherham
Posts: 626
Default

Can you put me down for 10 NSD, thought I would go for 10 seen as I haven't had a go before but my new years resolution is to sort money out and get fit so thought i better get into some good habits now
Sealed pot challenge 1875
laura16 is offline
Reply With Quote Report Post
The Following 11 Users Say Thank You to laura16 For This Useful Post: Show me >>
# 26
HeadAboveWater
Old 27-11-2012, 4:45 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jul 2009
Posts: 3,901
Default

Please don't laugh, but sign me up for 10 NSDs. AGAIN!!!!!!!

Maybe next month I'll actually hit target. Third time lucky and all that
Wealth is what you're left with when all your money runs out

FD Target take 2: £3025/£3600
ebay sales 2014: £106.64
HeadAboveWater is offline
Reply With Quote Report Post
The Following 11 Users Say Thank You to HeadAboveWater For This Useful Post: Show me >>
# 27
Piquant
Old 27-11-2012, 5:18 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Aug 2008
Posts: 5,762
Default

Please may I sign up for 15 NSDs and 3 in a row. Not sure how easy it will be in December, but I'll give it go...
Total debt at October 2008: £67,213.30
Total debt today: £0
- debt and mortgage free 29th November 2013
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138



Piquant is offline
Reply With Quote Report Post
The Following 10 Users Say Thank You to Piquant For This Useful Post: Show me >>
# 28
The Dragon
Old 27-11-2012, 5:44 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Dec 2006
Location: Somewhere warm please!
Posts: 9,704
Send a message via Yahoo to The Dragon
Default

A starter of 10 and 4 in a row please
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
The Dragon is offline
Reply With Quote Report Post
The Following 11 Users Say Thank You to The Dragon For This Useful Post: Show me >>
# 29
Lucyv
Old 27-11-2012, 5:46 PM
MoneySaving Convert
 
Join Date: Nov 2012
Location: Basingstoke
Posts: 31
Default

Hi, I've never done this before so would like to start with 5 NSDs please
Lucy
£24500 in debt


Lucyv is offline
Reply With Quote Report Post
The Following 11 Users Say Thank You to Lucyv For This Useful Post: Show me >>
# 30
Rainbow Chaser
Old 27-11-2012, 5:55 PM
MoneySaving Newbie
 
Join Date: Dec 2010
Location: Sheffield
Posts: 4
Default

Hi

I'm new to all this but keen to get started - please put me down for

10 NSD in total, 3 in a row

Thanks!
I could deny, but I'll never realise I'm just chasing rainbows all the time
Rainbow Chaser is offline
Reply With Quote Report Post
The Following 11 Users Say Thank You to Rainbow Chaser For This Useful Post: Show me >>
# 31
artnoble
Old 27-11-2012, 6:59 PM
MoneySaving Stalwart
 
Join Date: Oct 2007
Posts: 630
Default

I want to join in

It will be a tough month for me so I'm going to start with10 days
Watch this space.... Will update soon!
artnoble is offline
Reply With Quote Report Post
The Following 10 Users Say Thank You to artnoble For This Useful Post: Show me >>
# 32
liltdiddylilt
Old 27-11-2012, 7:00 PM
Serious MoneySaving Fan
 
Join Date: Nov 2012
Location: Hogwarts School of Witchcraft & Wizardry.. Term-time only
Posts: 1,236
Default

Hello all

First time I have tried this. With the help of my little accounting app on my phone, I may even be able to count up how many NSD's I have actually had in December...

Please put me down for 20 NSD's and 4 in a row!!

Good luck everyone
October Triathlon: SFD: 18/16||Groceries: /£130||Food Bank: £6/£5||Walking: 68 Miles||Mindfulness: 30/31
FD Saver: £3000.00/£3600.00 Xmas Fund: £276.25 (& £132.68 spent) Emergency Fund: £888.42
"A black belt only covers 2 inches of your a$$. You have to cover the rest." - Royce Gracie

Last edited by liltdiddylilt; 27-11-2012 at 9:56 PM. Reason: Joined DDD (am I bonkers?!?!)
liltdiddylilt is online now
Reply With Quote Report Post
The Following 11 Users Say Thank You to liltdiddylilt For This Useful Post: Show me >>
# 33
stardrops42
Old 27-11-2012, 7:37 PM
Serious MoneySaving Fan
 
Join Date: Oct 2008
Location: North Yorkshire
Posts: 839
Default

Hi all

Can I go for 10 NSD's and 3 in a row. I love a challenge
GC Feb £325/£0
stardrops42 is offline
Reply With Quote Report Post
The Following 10 Users Say Thank You to stardrops42 For This Useful Post: Show me >>
# 34
beanielou
Old 27-11-2012, 8:06 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Feb 2006
Location: Scotland
Posts: 39,562
Default

Massive thanks to freeby & all those good enough to do the updates
Prizes are fabarooni.

Im going to sign up for 11 this month.
We are in the email this week
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.

Last edited by beanielou; 27-11-2012 at 8:08 PM.
beanielou is offline
Reply With Quote Report Post
The Following 12 Users Say Thank You to beanielou For This Useful Post: Show me >>
# 35
p0lly
Old 27-11-2012, 9:39 PM
MoneySaving Convert
 
Join Date: Feb 2012
Location: yorkshire
Posts: 132
Default

Hello all can I have 20 NSD for december please I think I am going NSD crazy. P0lly x
JBFF # 20 NSD 12/25
Jan Grocery budget £77 /100
p0lly is offline
Reply With Quote Report Post
The Following 10 Users Say Thank You to p0lly For This Useful Post: Show me >>
# 36
CandyCupcake
Old 27-11-2012, 9:49 PM
MoneySaving Stalwart
 
Join Date: Jan 2012
Location: Liverpool
Posts: 201
Default

Hi

Can I put myself forward for 20 NSDs please

Candy
x
Total debt to date: £3,238.10
CandyCupcake is offline
Reply With Quote Report Post
The Following 11 Users Say Thank You to CandyCupcake For This Useful Post: Show me >>
# 37
EverTheOptimist
Old 27-11-2012, 9:53 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Nov 2007
Posts: 2,373
Default

Hi Freeby

I'd like to come back and have another go after being awol in November please.

I will go for 10 please, will try and be more organised and achieve more NSD's and post more regularly.

I guess it will still come down to whether i actually fancy the food i have in or whether i have to buy my meals daily. I'm hoping baby will settle soon, i keep being told it gets easier in the 2nd trimester, well at 15 weeks it hasnt happened yet.

Good luck everyone.
DEBT: £1900 = CC - £1600 £1500£1450 NEXT - £300
Challenges:
SPC 7 #5 target = £100
NSD - Jan 14/12 Feb 11/15 Mar 9/15 April 5/10 May 4/10 June 3/10 .... Sept 5/8 Oct 8/10
EverTheOptimist is offline
Reply With Quote Report Post
The Following 10 Users Say Thank You to EverTheOptimist For This Useful Post: Show me >>
# 38
JAMIEDODGER
Old 27-11-2012, 10:42 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: May 2005
Location: WAY DOWN SOUTH
Posts: 3,984
Send a message via MSN to JAMIEDODGER
Default

Can I be put down for 20 NSD for December please x
JAMIEDODGER is offline
Reply With Quote Report Post
The Following 9 Users Say Thank You to JAMIEDODGER For This Useful Post: Show me >>
# 39
freebyfifty
Old 28-11-2012, 5:57 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Oct 2011
Location: In a debt hell
Posts: 3,127
Default

Good Morning

Everyone so far has been added to the front pages. Good luck to us all and welcome to all the newbies - you are gonna be addicted in no time. As usual check I have got you right (it is very early in the morning )

I am going for my usual20 NSDS but with 7-in-a-row


Thank you for all the thank yous and I'm glad you like the snowmen. It is always a relief when you like the prizes

Have a great hump day
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
freebyfifty is offline
Reply With Quote Report Post
The Following 11 Users Say Thank You to freebyfifty For This Useful Post: Show me >>
# 40
Munchin
Old 28-11-2012, 7:21 AM
Serious MoneySaving Fan
 
Join Date: Nov 2011
Posts: 1,375
Default

Morning everyone,
Please put me down for 8 NSDs this month and 3 in a row
Munchin is offline
Reply With Quote Report Post
The Following 9 Users Say Thank You to Munchin 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. The time now is 1:00 PM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 29 October 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

  • TAYLOR SWIFT1989 (DELUXE)
  • VARIOUS ARTISTSBBC RADIO 1'S LIVE LOUNGE 2014
  • ED SHEERANX (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.