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  • FIRST POST
    • marmiterulesok
    • By marmiterulesok 1st Oct 17, 12:29 PM
    • 7,396Posts
    • 33,604Thanks
    marmiterulesok
    The October NSD Challenge!
    • #1
    • 1st Oct 17, 12:29 PM
    The October NSD Challenge! 1st Oct 17 at 12:29 PM
    Join in people!It's a great challenge.
    Nsd september 2/10
    I need to learn to budget again
Page 1
    • marmiterulesok
    • By marmiterulesok 1st Oct 17, 12:30 PM
    • 7,396 Posts
    • 33,604 Thanks
    marmiterulesok
    • #2
    • 1st Oct 17, 12:30 PM
    the rules
    • #2
    • 1st Oct 17, 12:30 PM
    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 & nargle 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!
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 1st Oct 17, 12:31 PM
    • 7,396 Posts
    • 33,604 Thanks
    marmiterulesok
    • #3
    • 1st Oct 17, 12:31 PM
    the prizes!
    • #3
    • 1st Oct 17, 12:31 PM
    Here are our lovely prizes:

    1st target achieved:

    2nd target achieved:

    3rd target achieved:

    Target exceeded:

    Consolation prize:




    Shawn the Shark is here to gently encourage any over eager nsders not to use the 'F' word ie F-a-i-l.....Other deterents include the dreaded soggy paintbrush and a manky kipper breakfast lovingly prepared by Igor.You have been warned....

    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 1st Oct 17, 12:32 PM
    • 7,396 Posts
    • 33,604 Thanks
    marmiterulesok
    • #4
    • 1st Oct 17, 12:32 PM
    the participants!
    • #4
    • 1st Oct 17, 12:32 PM
    post your target and i'll add you to the list!

    marmite 0/10
    Last edited by marmiterulesok; 04-10-2017 at 12:13 AM.
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 1st Oct 17, 12:34 PM
    • 7,396 Posts
    • 33,604 Thanks
    marmiterulesok
    • #5
    • 1st Oct 17, 12:34 PM
    The 'in a row' challenge!
    • #5
    • 1st Oct 17, 12:34 PM
    Post your target and I'll add you to the list!

    The prize:


    marmiterulesok 4
    Nsd september 2/10
    I need to learn to budget again
    • cozicup
    • By cozicup 1st Oct 17, 12:50 PM
    • 35 Posts
    • 100 Thanks
    cozicup
    • #6
    • 1st Oct 17, 12:50 PM
    • #6
    • 1st Oct 17, 12:50 PM
    Id like to join please ,
    I'm going for 15 this month.

    I really do need to slow down spending since I now have 3 big things to save for
    Newly Engaged! 1/09/2017
    • jenni_fer
    • By jenni_fer 1st Oct 17, 1:07 PM
    • 128 Posts
    • 638 Thanks
    jenni_fer
    • #7
    • 1st Oct 17, 1:07 PM
    • #7
    • 1st Oct 17, 1:07 PM
    Need to focus this month, new job means I didn't get paid in September so things are tighter.
    Did a food shop yesterday and could do with eating out of the freezer for a bit so going to be ambitious and go for 20.
    Exclusions will be (dd's), big food shop x3 and fuel x1, and any Christmas can't-miss bargains.
    • beanielou
    • By beanielou 1st Oct 17, 1:44 PM
    • 47,786 Posts
    • 173,454 Thanks
    beanielou
    • #8
    • 1st Oct 17, 1:44 PM
    • #8
    • 1st Oct 17, 1:44 PM
    Thanks for the shiny new thread Marmite.
    YOu are a star.

    Going for 15 this month.
    Things are very very tight this month & I am also saving for a mobilty scooter.
    It has taken me a while to get my head round this but needs must sadly.
    I am trying to think of a way to do a wee bit of fundraising so any ideas are welcome. Many thanks
    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. *** It is ok to be me.*** ***Keep plodding***
    • Reb2016
    • By Reb2016 1st Oct 17, 2:13 PM
    • 130 Posts
    • 247 Thanks
    Reb2016
    • #9
    • 1st Oct 17, 2:13 PM
    • #9
    • 1st Oct 17, 2:13 PM
    Thanks for the new thread Marmite, I’m going for 17 this month, and 6 in a row
    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 11967.05
    DFD was October 2020 40 months now 31st Jan 2020 28 months Overdraft £650/£2250
    6/17 NSD October 0/6 in a row
    • Purplemumof2
    • By Purplemumof2 1st Oct 17, 2:17 PM
    • 5,236 Posts
    • 17,525 Thanks
    Purplemumof2
    Woo hoo, new shiny thread.

    Count me in for 10 NSD's again please

    Good luck everyone and thanks Marmite xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7250.00 Cap 1: £529.05 BC: £5196.94

    AFD 0/10 NSD 0/10 LTW 0/10

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • cozicup
    • By cozicup 1st Oct 17, 5:21 PM
    • 35 Posts
    • 100 Thanks
    cozicup
    Today isn't a NSD,
    I spent £1.48 on milk, we were baking and didn't know how much milk we needed and almost out since i drink a lot of coffee. I rounded it up to £1.50 for Tesco's charity event.
    Newly Engaged! 1/09/2017
    • bowsandbills
    • By bowsandbills 1st Oct 17, 6:37 PM
    • 5 Posts
    • 8 Thanks
    bowsandbills
    Hi I would like to join, I have had a few months completely off track and I need to get my DFW mojo back up and running. Put me down for 10 NSDs please
    • beanielou
    • By beanielou 1st Oct 17, 7:13 PM
    • 47,786 Posts
    • 173,454 Thanks
    beanielou
    So today was no 1.
    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. *** It is ok to be me.*** ***Keep plodding***
    • Nargleblast
    • By Nargleblast 1st Oct 17, 7:50 PM
    • 9,359 Posts
    • 54,979 Thanks
    Nargleblast
    Got a cracking 19 NSDs in September so let's go for 20 in October - ambitious, hey?

    And today is number 1 already!
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash





    October NSDs 11 of 20
    • Honeysucklelou2
    • By Honeysucklelou2 1st Oct 17, 9:36 PM
    • 442 Posts
    • 1,428 Thanks
    Honeysucklelou2
    Could I be put down for 10 NSDs please. I am DETERMINED to reach the target this month! I'm not going to count debt repayment days if that's OK.

    No spend day number 1 today
    paydbx #90 £325/£10,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • threepenny bit
    • By threepenny bit 2nd Oct 17, 3:16 AM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    Going for 4 each week this month- if I can manage more I will!
    Need to meal plan and make a proper list of what we have in and then see what meals I can make with the least shopping; I have a gift voucher for $100 for one of the supermarkets and I thought about using it this month but instead I am using it to get staple Christmas food in and to restock things like washing powder, toilet cleaner, dish wash tablets, toilet roll etc - very exciting!!
    NSD 1 today
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • arc2014
    • By arc2014 2nd Oct 17, 2:33 PM
    • 104 Posts
    • 368 Thanks
    arc2014
    I fell off the band wagon towards the end of last month I'm afraid! Going for the 15 again this month. No 1 was yesterday. So off to a good start!
    Logbook Loan 170.42/1000 · DC1 45/1420.32 · DC2 30/321.13 · DC3 11.75/11.75 · DC4 40/635 · Personal Loan 426.74/4800 · Overdraft 0/1200

    Lightbulb Moment September 2017 - DFD Christmas 2018!

    October NSDs 11/15 · £10 a day challenge £231.51/£500
    • Tea&Kittens
    • By Tea&Kittens 2nd Oct 17, 4:22 PM
    • 138 Posts
    • 488 Thanks
    Tea&Kittens
    Hi, I'd like to join in please!
    I'm aiming for 17 NSDs this October. Also going for 5 in a row. Will update in Signature
    October: NSDs 6 / 17 NSDs in a row: 1 / 5
    I started my debtfree journey on 07 September 2017: Total: £20,521 £19847
    Barclaycard: £14659 £14435 Oct 2017 HSBC Credit Card : £3112 £3012 Oct 2017
    Overdraft: 350 £0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
    • Skye17
    • By Skye17 2nd Oct 17, 6:58 PM
    • 18 Posts
    • 20 Thanks
    Skye17
    Hello,
    I would like to join in please.

    Looking to have 10 NSD's in October.
    • cozicup
    • By cozicup 2nd Oct 17, 7:30 PM
    • 35 Posts
    • 100 Thanks
    cozicup
    I did spend but I'm counting it as an emergency ...
    I basically thought I was pregnant & At the moment we're not ready for a baba,
    so I brought a test to check but thankfully right now I'm not.
    me & my fiancee aren't ready since we do have a new house save for as well as the wedding and other small financial stuff. I kinda wanted to have a baba though so bad but too much going n right now.

    Also, he brought the little bits for tea and that tonight so I didn't spend anything.

    So I'm up to 1 NSD
    Newly Engaged! 1/09/2017
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