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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 3
    • NinjaSavingKat
    • By NinjaSavingKat 28th Nov 12, 8:02 AM
    • 3,212 Posts
    • 20,097 Thanks
    NinjaSavingKat
    Hey there.. will hit my 25NSD's for NOvember tomorrow so please sign me up for 20 NSD's in conjunction with the DDD challenge. BRING IT ON!

    P.S - I have told the chickadees who are signing up to come this way and pledge their NSD's...you might have an influx!!

    On the road of life..
    • poohbear59
    • By poohbear59 28th Nov 12, 9:22 AM
    • 4,482 Posts
    • 53,318 Thanks
    poohbear59
    As I didn't keep track last month I am going to aim for 15 NSDs this month and will try to check in with you all every day. I need to be kept on the straight and narrow.
    DFW 429
    Long haulers DFW 255 Debt fr
    ee day Feb 20192021 (
    Aug 11start! business mortgage 19567 Barclay's business kitchen loan 9760=Total of 26540 61% paid off was 68105 at highest Weight to lose 42lbs 37 to go PPI claimed and received 8285
  • ifwisheswerehorses...


    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.
    Originally posted by freebyfifty

    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
  • focus888
    Hi All,

    somehow managed to get 4 NSD without expecting to in November, so going to now try and double that and more to 10 NSD for December. Think that will be hard for me but still going to attempt it!
    NSD = 76
    SB 22/04 - 60
  • Mancman86
    20 nsd
    Hi in conjunction with the DDD challenge i would like to pledge 20 NSD in December.
    Debt Free by August 2013 fingers crossed.Total Debt 3000 C/C.84.35/3000 - 03.01.2013.
    124.25/3k -23/01/13 -
    Total left to clear:- 2875.75
    500 tin saver 26/500 28/11/2012
  • young_un
    Afternoon
    Can I put myself down for 15 NSD with 4-in-a-row
    Thankies
    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
  • VickyV
    Newbie...
    Hi,

    This is my first time on this challenge so, although it may be a bit ambitious for a first timer especially at this time of year, but I'd like to go for 12 NSDs this month and 3 in a row!
    September GC 191 / 192
    October GC 35.40/180
    Saving for Florida 2016 1861.40 / 8,000
    • abundant1972
    • By abundant1972 28th Nov 12, 6:19 PM
    • 946 Posts
    • 6,376 Thanks
    abundant1972
    Hi Everyone!!!

    Am also signing up to Kat's DDD and so am pledging for December:

    20 NSD + 7 in a row

    Good luck everyone!!!
    *** 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

  • kerri gt
    Right, after taking Nov off, I had better hop back on that NSD wagon me thinks

    I'm going to go for 12 NSD in Dec - I'm not 100% sure how obtainable 14 would be (although this is a challenge ) and I don't want to target 13

    Updated Dec rules for what isn't included:
    • Bill payments (already budgeted for)
    • Boot Camp
    • Milk (essential)
    • Petrol (can't put milk in the car)
    • Xmas gifts (for others not myself ) as I use vouchers / discounts etc where possible
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


    • marmiterulesok
    • By marmiterulesok 28th Nov 12, 7:55 PM
    • 5,775 Posts
    • 30,359 Thanks
    marmiterulesok
    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.
    Originally posted by rising from the ashes
    Thank you!

    I can't believe it's December already...

    Can I have 20 please as my target?Thanks.

    Thanks freeby for all your hard work.Great prizes this month!
    NSD September 0/10 J20 F18 M18 A17 M26 J23 J19 A22 ~ NSD total '15 163/227
  • rachyroo1985
    Can I sign up for 10 again please?
    BC: 2000/3800 S Loan 1: 4973.37/7000 S Loan 2: 6884.13/9000 Next: 0/280 OD: 0/500
    Student OD: 0/2000 Partner OD:0/600Joint OD:0/950 Car: 9424/9901 Mort: 77000/79000
    Total Debt exc mort23281.15/34,031 31% paid off
    POAMAYC2013 694.99/10000 target 14112.50
    NSDS NOV10/10 DEC 10/10 JAN9/10 no.of debts 9 4
  • butdoineedit?
    Thanks for the fab new thread Freeby, i love the prizes!!

    I'll start with my usual target of 15 please.
    February NSD challenge 5/15
    • rising from the ashes
    • By rising from the ashes 28th Nov 12, 9:50 PM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    I'm going to go for 12 NSD in Dec - I'm not 100% sure how obtainable 14 would be (although this is a challenge ) and I don't want to target 13
    Originally posted by kerri gt
    Ahhhhhh .... I have "13" issues too

    Updated Dec rules for what isn't included:
    • Bill payments (already budgeted for)
    • Boot Camp
    • Milk (essential)
    • Petrol (can't put milk in the car)
    Originally posted by kerri gt
    Missed you in Nov Kerri!

    Milk would work out a darn site cheaper..... mmmmmm maybe there's something in that ...... could this be the invention that makes me a multi-multi-billionnaire *sigh*

    Right ..... target still not set - I did think of joining the DDD Challenge but some of the rules are too restrictive for me just now, so ...... 12 please

    I know it's low but I've done better than expected this month as was supposed to do my C shopping - but not started it yet

    I really need to start thinking about this but worried if I start looking online I'll be tempted by things for me! (I had one of those advertising booklet things fall out a mag yesterday and ... there was some rather nice handbags in it!) and I went and looked and luckily they didn't have the one I really liked in stock
    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
  • tomandjerry
    I decided to go for 20 NSD in December. So please number me.
    NSD Nov 20/20 Dec 13/20 March 12/15 Apr 8/20
    DMP started 2/2007
    DMP Mutual support #136
    DFD July 2013 May 2024 Oct 2017 Feb 2017 April 2017still hoping to be sooner
  • kerri gt
    Ahhhhhh .... I have "13" issues too

    Missed you in Nov Kerri!

    Milk would work out a darn site cheaper..... mmmmmm maybe there's something in that ...... could this be the invention that makes me a multi-multi-billionnaire *sigh*

    Right ..... target still not set - I did think of joining the DDD Challenge but some of the rules are too restrictive for me just now, so ...... 12 please

    I know it's low but I've done better than expected this month as was supposed to do my C shopping - but not started it yet

    I really need to start thinking about this but worried if I start looking online I'll be tempted by things for me! (I had one of those advertising booklet things fall out a mag yesterday and ... there was some rather nice handbags in it!) and I went and looked and luckily they didn't have the one I really liked in stock
    Originally posted by rising from the ashes
    Ahhh, thanks Rising, missed you guys too xx btw, I have to ask...what is the DDD challenge?
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


  • Siouxsie32
    Another DDDer reporting for duty! Count me in for 20 NSDs and 5 in a row please
    450 Day Debt Slaying Challenge:
    9107.25 0 (60 days early)
    New Challenge for 2014:
    20,136.47 15989.65 (More than twice as much in less time )
  • Rachel021967
    I have bought nearly all my presents so I need to have 10 NSD,
  • armchairexpert
    Right, assuming nobody ups and dies on me this coming month (sorry, black humour and all that) I will pledge 13 NSD and 3-in-a-row please.
    If all goes to plan:

    As of April 2014, oustanding mortgage of $250,000.
  • freebyfifty
    Good Morning

    Front page all updated again. There is gonna be a lot of us agin this month


    Have a great Friday eve
    Free by Fifty

    Debt of the Moment -
    August NSD Challenge 14/15
    • rising from the ashes
    • By rising from the ashes 29th Nov 12, 7:08 AM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    Ahhh, thanks Rising, missed you guys too xx btw, I have to ask...what is the DDD challenge?
    Originally posted by kerri gt
    Following on from NOvember's success, Kat has launched December Debt Destruction ....
    http://forums.moneysavingexpert.com/showthread.php?t=4313709
    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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