August -The NSD Challenge

Lula-Hula

Hi everyone & well done on achievements so far

Hmmm, interesting to hear different views on what constitutes spending ; for me I dont count : rent, council tax, utilites, phones or debt repayments. I do however, count food shopping, petrol & parking & any other kind of shopping like the kind I did today which was stuff for holiday like padlock, liquids pouch, sandals for DD & medicines etc.

I do actually budget/save for stuff like car repairs, presents, dentist & opticians, DDs clubs & hobbies & have just started a new weekly budget for household expenses like the window cleaner (also paid for today) BUT I think I would still count this as a spend on this thread as it's still money leaving my possesion.

What I am trying to do though is to plan ahead so that I can squeeze as many non spending days as possible into a month.

For that reason alone it's a brilliant thread it's so easy to 'pop to the shop for bread' & come out £20 later :rolleyes:, I used to do this 3 or 4 times a week but now I try to eke stuff out until the next essential spend day .

Wont have a NSD tomorrow as taking my Grandmother out for tea but hopefully will manage one on sunday.

lula x

angeldiva

Im loving finding out different peoples views on what a NSD is

Well for me, If I spend on any of the following, I dont count them in my NSDs
(list taken from the Diva's Finance spreadsheet)
Mortgage
Service Charge
Council Tax
Utility bills
Phone/internet bills
Car/home insurance
Weekly food Budget
Petrol budget

If I buy anything outside this list then my NSD is blown
hope that helps...

PS im on 4 out of 5

has anyone finished??

nzseries1

I'm miles off. But I got day 3 out of 13 today!

Ally16

yipeeeee i made it, done my first nsd!! so i think that 1/5....wont getting one 2moro but gonna try on sunday!

how funny is it constantly looking for free stuff or things to do which cost no money.....i had such a nice day! defo dont need money to have a good time! i went for lunch with my boyfriend (he paid and drove there), got a wee visit from my 7 month old neice who entertained me for a good hour before work, went to work spent nothing and now home SHATTERED! made my payment for the day...only £1.50 but hey its something think that still counts as a no spend though since i owed that money neway lol!!!

how is everyone else doing??? how r we all keeping ourselves entertained with no money??? x x

njk0327

I've had my nieces and nephew over to stay the last few days plus one of the kids closest friends so I've had 6 kids to entertain today (and last 2 days) with all 6 kids today was a no spend day,
I raided the freezer for chicken wings and drumsticks(all bought reduced price!) used left over homemade pizza sauce as a dip took some tesco value tortillas and chopped carrot sticks. kids made their own buns, bread etc.. and we walked 10 mins down the road to an area where there are trees and a very shallow stream they climbed and played for 2 hours and had a very cheep picnic must have only cost £2 if that when ingredients were bought originally. and i managed a couple of chapters of a book i've been meaning to read all week it was bliss!!!
To top it all off we came home with 3 food containers of blackberries and made a crumble for after a toad in the hole and veg tea.

Herewegoagain

Hiya guys,

I'm on my 6th of 14 so far:j and have 13 days left of my aug challenge, (I go 29th-28th for my month) and hope to make it on this my 1st NSD challenge, only got 8 to go, let's hope for another one tomoz:beer:
HWGA xx



PS, I'm still not down on the list, how do I get on it xx

StressedSteph

angeldiva wrote: »

Im loving finding out different peoples views on what a NSD is

Well for me, If I spend on any of the following, I dont count them in my NSDs
(list taken from the Diva's Finance spreadsheet)
Mortgage
Service Charge
Council Tax
Utility bills
Phone/internet bills
Car/home insurance
Weekly food Budget
Petrol budget

If I buy anything outside this list then my NSD is blown
hope that helps...

PS im on 4 out of 5

has anyone finished??

This is what I think AngelDiva, I allow for my weekly shop & one fill up of petrol per week, but if I have to get extra fuel or extra shopping then I do count them.

There is no way to avoid having to buy my weekly shop & weekly fuel so I don't think its fair to count them.

I am on NSD14 today :T

Tomorrow should also be a NSD too, but its easier for me as I don't have any bloomin money anyway

I really look forward to a few weeks time, maybe mid September, cause I am sure my bank account will start looking alot healthier after maybe a month or so of me sticking to alot of NSD's. I can't wait.

I use Microsoft money and I does a forecast that shows how your bank account will look over the coming months, and without all the incidental spending, it shows I will have thousands in the bank in one years time. If I could just be out of my overdraft I would be happy xxx

Snow_White_5

StressedSteph wrote: »

This is what I think AngelDiva, I allow for my weekly shop & one fill up of petrol per week, but if I have to get extra fuel or extra shopping then I do count them.

There is no way to avoid having to buy my weekly shop & weekly fuel so I don't think its fair to count them.

Hi guys, it's good to know what everyone counts for NSDs. It seems I've been way stricter than most - I was even counting DDs as spending! Hope you're all doing well - I've been clothes shopping for my holiday, so no more NDSs yet, but at least I've bought good quality stuff that should last me a while

Surfbabe

Not a NSD today - had to buy the paper this morning and am going shopping shortly................ but as I am over my target I'm happy. I'm sure it will be more before the end of the month though!!!

thriftymoo

hiya all will def be having nsd today and tomorrow so i think thats 6/10