August -The NSD Challenge

webitha

2 nsd for me coz i was taken away to a spafor 2 days all treatments and meals included,

(it was something i won last year, and could only fit me and my plus 1 in yesterday and today)

Lula-Hula

NSD 7 for me today - yay

roxy7699

Ooo lovely Wibitha - did you enjoy, what did you have done.

webitha

ooooh it was lovely i had neck head shoulders and back massage, facial, nail shape and polish
am now going to put £5/£10 a week away for the next one next year lol coz i want to stay longer than 1 night, well a girl needs a pamper everynow and then, espesh considering the amount of debt ive busted,
just got £2496 left at 0%, then to do some serious saving to get my house up to standard as its falling apart around my ears lol

debtbegone

Ooohhh, sounds nice webitha!!

I'm still stuck on seven, bought food for dinner yesterday and today has been my biggest spend day in aaaagggeeesss - had to get a new exhaust for my car that hurt! So I'm hoping the next 3 days will be NSD's, don't have anything planned and am super skint!

Ally16

Ooooooh i want to start doing nsd!!! Im getting right into all these challenges, started a payment a day, got my tin to save silver and now this!!

so im gonna aim for 5 till the end of august?! is that realistic??

and how do we all manage them??? like if i have petrol in my car already and then go a drive oes that still count in my nsd coz i havent actually spent pennies??? tell me tell me tell me!!! x x

darthpaul

Huzzah another NSD yesterday and my back is better to! Thats 3 in the last week of my 5.

webitha

ally the way i look at it is if you havent spent a single penny then its a nsd,
so the drive is ok, as its using stuff youve already got.

mizmir

Not a chance of a NSD today or tomorrow as have to get shopping and fill car - and am out for the day tomorrow. Best can hope for is a low spend day!

Next one planned for Sunday - with a bit of luck!

strumpet

webitha wrote: »

ally the way i look at it is if you havent spent a single penny then its a nsd,
so the drive is ok, as its using stuff youve already got.

Ally,

You should not count the petrol used when you drive somewhere as you'll already have counted it when you bought it, so run the risk of counting it twice. In this economic climate, believe me, you only want to be counting it ONCE!!!:rotfl:

How you count your spends is up to you but as a rule, I count it only if it involves cash leaving my hand, a cheque leaving my cheque book or a spend on my cards.
Payment to clear outstanding debts is not counted - this is just borrowings from your future self and so you have already spent that money before - this is just paying yourself back.

I don't count direct debits either.

My challenge is creating NSDs by not spending on stuff I don't really want or need.
What makes it hard is that they tend to be the stuff I like and THINK I want!

Keep a spending diary - I was appalled when I did. I realised that I was spending £25 / month on bottles of Coke at work which rose to £60 / month when I counted the soft drinks I buy in the pub after bellringing practices!!!

That's £720 / year = a very good holiday OR 9 YEARS off my mortgage!:eek::eek::eek::eek::eek:
Strumpet
xxx