Gentle Jump into June? Did we mention NOT spending...(well this is the NSD challenge)

Firewalker

Oooooh, we had to spend a bit today - needed some bread for toast for little boy who has bad tum-tums...But as Scarlet O'Hara always says looking into the future; 'Tomorrow is another day.'

Firewalker

Dorastar

Another one bitesthe dust - shops all shut nice and early (4pm);) before I got home from work so another nsd here

skaps

No 14 today

cw18

Tonight has been an evening of long and hard ponderings........ how to set my GC budget for July, and what to set my NSD challenge target as.

With regards to the NSD challenge, I've been considering changing to counting Total NSDs - whereas I currently ignore D/Debs, window cleaner, dog expenses, petrol, one off annual payments (such as house/car insurance, car breakdown/service/MOT), present purchases, and anything that's work related (so far this year just one pair of safety shoes).

So I've been back looking at my counts for 2010

Jan - NSD target 11. NSDs declared 14. Total NSDs 10. Excluded expenses on 10 days.
Feb - NSD target 11. NSDs declared 17. Total NSDs 15. Excluded expenses on 5 days.
Mar - NSD target 11. NSDs declared 16. Total NSDs 12. Excluded expenses on 9 days.
Apr - NSD target 11. NSDs declared 12. Total NSDs 10. Excluded expenses on 7 days.
May - NSD target 11 (raised to 20). NSDs declared 21. Total NSDs 18. Excluded expenses on 6 days.
Jun - NSD target 12 (raised to 17). Hoping to declare 18 NSDs. Should be 15 Total NSDs. Excluded expenses on 6 days.


I know that I have payments going out of my bank on at least 4 days in July (some vary by as much as a couple of days, so 3 that hit together yesterday sometimes fall on 3 different days!), and the chances the window cleaner will call on one of those 4 is pretty remote - so at least 5 days currently excluded. The car is also due its service and MOT, but I could book that for the last 'for sure' Direct Debit day (28th) as I think my MOT is valid until then (must find certificate and check, otherwise would have to be 15th).

I also need to get a laptop for DS (ready for Uni), and while not all the cost of that will be from my presents budget he has said he doesn't expect a birthday present (next month) or Christmas present as I'm paying for this..... so I will be recording something against my 'presents' budget (even though he will still get something small/inexpensive to unwrap on the special days). But he's "chomping at the bit" to get his sticky mitts on this, so I'm currently planning on going out for it on Thursday (which is a D/Debit day anyway)


So my calculations started as follows.....

July = 31 days.
Deduct 5 days for currently excluded payments, and that leaves 26 days that could be Total NSDs...... as long as I only bought groceries on those 5 days.
But given I'm having to buy milk roughly every 4 days, we all know that's not going to happen


So I then reworked on the basis I have to buy milk twice a week - giving me 9 grocery spend days in the month. My 4 D/Deb days actually fall such that I could (in theory) make all of those 'milk purchase days', so I now need to allow for 4 D/Debit & Milk days, 1 window cleaner day, and 5 additional 'milk' days. That's now 10 days that won't be Total NSDs, leaving an opportunity for 21 :eek:

But so far this year (including tomorrow as a Total NSD) I'll have managed 'just' 80 Total NSDs in 181 days - so roughly 44%. To maintain that percentage I need to be looking at 13.7 Total NSDs in July.


So yet more pondering - could I possibly make 14 Total NSDs in July, given I've only managed (at least) that figure for 3 months of the last 6

Then throw into the equation I have a week off work (next week) when I'll either be much less tempted to spend or much more........




So I've finally come to the conclusion that 10 Total NSDs should be easy enough, but not much of a challenge as I've managed at least that every month this year.

Which leads me to......

SPOON : Can you please set my July target to 12 Total NSDs, and I'll see how I get on.
I very much doubt I'll be raising my target during the month, but I'll do the best I can

kathy40uk

karenccs67 wrote: »

No 14 for me today :j. Almost there :j.

Well done :T:T, me too :j(14 that is)

Can't believe it, am sooooo close Got worried today when my boss texted me asking me to get her some ciggies on the way in, it meant taking money out with me :eek:, but the thought of coming on here tonight kept me strong and she paid me when I got there with them

Thanks all xxxxx wow will make target if I make tomorrow, I am so determined, thanks again xx


We can do it Karen

solventsoon

Quote:
Originally Posted by karenccs67
No 14 for me today :j. Almost there :j.

kathy40uk wrote: »

Well done :T:T, me too :j(14 that is)

Can't believe it, am sooooo close Got worried today when my boss texted me asking me to get her some ciggies on the way in, it meant taking money out with me :eek:, but the thought of coming on here tonight kept me strong and she paid me when I got there with them

Thanks all xxxxx wow will make target if I make tomorrow, I am so determined, thanks again xx


We can do it Karen

Like your spirit Kathy and Karen - keeping my fingers crossed for both of you tomorrow.

spoon
x

solventsoon

Hi lovely NSD gang :A
Wow, you lovely people have been busy smashing targets and getting loads more NSDs today - you’re doing brilliantly.:j
Last day of June tomorrow, where on earth has the year gone?:eek:

Targets met today:
katenut: :j well done, 15 NSDs and a trotting blue pony, what more could you want? Woohoo indeed!! :j You’ve done brilliantly this month, hopefully one extra as well
Natty68: :jwell done for meeting your target of 17 and exceeding it by 2 as well. 19 NSDs is brilliant! :j Trotting blue pony is coming your way now for your target and headspinning smiley as well as you’ve exceeded it! What more could you want?
And yes, the weathermen got it majorly wrong everywhere today, but what’s new there?;)
kezlou: :jwell done, 20 NSDs is brilliant, blue pony award is coming your way now (just what I’ve always wanted, I hear you say!!).:j
:eek: to the battery and a spend day today, but that’s quite a reasonable price, so not too bad.
Looloo: :jyay, target no 2 is now smashed as well, the banana is on it’s way - well done for 10 NSDs.:j
Well done for resisting Sainsbugs and for taking lunch in both days - a true NSDer now!;)
rentawitch: :jwell done for making your target of 8, that’s brilliant. The trotting pony is coming your way now:j
Glad you had a good time at the seaside:)
Mainyasha: :jwow, you’ve done brilliantly... target of 15 well and truly smashed now. The blue pony is making its way towards you right now and increasing your target to 17 as well.:j
Like the grocery clear-out during June - very commendable:T
pure dead dopey: fingers crossed for the banana today!
Poor pony, he’ll be overwhelmed between Hubert and the aliens .. and what are you going to do with the banana in the middle of that lot :rotfl:..
And you've done it
:jWell done for smashing target no 2 .. 17 NSDs, a trotting pony and a dancing banana, what more could you possibly want in life?:j
jwil: :jwell done for getting to your target of 10 - that’s brilliant, little blue pony is coming your way now:j
cw18: :jwell done for smashing target no 3 - 17 NSDs - that’s brilliant. The penguin is coming your way now as well - full house for you this month!:j
Some good bargain resisting going on there today!:T
franby67: :jwell done for making your target of 12 NSDs - that’s brilliant! :jThe trotting blue pony is coming your way now - hope OH and kids appreciate him after all your efforts!:rotfl:

Well done to:
:janonymoose: well done for no 10 - you’ve done brilliantly whether you make your target or not. 10NSDs is really good - you should be proud of that:)
:jchris81418: well done for no 16 - you’ve had a great month and should be really pleased with your 16 - brilliant!:)
:jTrinny: well done for no 6 and fingers crossed for no 7 tomorrow:)
:jAllieBallie: well done you, no 9 now, so 2 targets smashed. Think I might award you the headspinning smiley as well as you’ve done so brilliantly this month;)
:jboultdj: well done for nos 17 and 18 - you’ve had a brilliant month. Headspinning smiley coming your way now as you’ve exceeded your target now;)
:jTixy: well done for 10 NSDs - that’s a pretty good achievement actually, you should be pleased with that. And... we don’t do the “f” word on here - no one fails on this challenge
Hope you’re pleased with the new shoes?
:jkarenccs: well done for no 14.... fingers crossed for no 15 as well;)...
:j3Dogs: well done for nos 18 and 19 - and fingers crossed for no 20 tomorrow as well;)...
(missed you yesterday:(..)
:jslowlyfading: well done for no 19 - target well and truly smashed now, that’s brilliant. The headspinning smiley is coming your way now as well:T
:jkatholicos: well done for no 16 - your target has been well and truly smashed now, that’s brilliant. It’s a pleasure, glad it helps
:jDorastar: well done for no 15 - you’ve had a really good month, that’s brilliant! Funny how you’ve found all the shops which close at 4pm;)..
:jskaps: well done for no 14 - that’s brilliant:)

And hello to everyone else:
teenyweenyspender: the front page is looking great, everyone’s done brilliantly this month, including you. Fingers crossed for another one tomorrow:)
Nargle: £58!!!!!.:eek:...... Think I’d be horrified at that, tbh
I’ll see if I can rustle you up a rocking horse;)
Kayleighpea: don’t be disheartened, 4 NSDs in the short time you’ve been dong this is really good, you can start earlier in July and get lots more:T
LadyfromVenice: oh dear to your little spends this month ruining your NSDs. There’s always July:T...
rachelmk: oh dear to another LSD - never mind, there’s always July, you’ll get there:T
elfen: well done for no 17 - another one having a brilliant month!
Sounds as though you’ve had an eventful day between one thing and another;)..
TMVen: sounds like a pretty awful day sitting in the hospital all that time. Hope OH makes a good recovery, but 6 weeks with him at home all the time sounds interesting :eek:...... good luck!
BDINI: bloomin’ heck, you’ve had an evening of it by the sounds of it:eek:.... think we’ll fit in nicely now on our night out!! Hope you manage to get some sleep and fingers crossed for an NSD tomorrow, we need you to get your banana;).....
Awww.. thanks:o....
Firewalker: oh dear to a spendy day and hope little one is feeling better soon. Tomorrow is definitely another day!:)

And another NSD for me today, taking me to no 24 and the dancing banana:j:j...
Like a lot of others on here, I was going to go and spend some money today but the lure of the banana was there under my nose and I resisted spending money (never thought I’d say that!!!);)

Off to do the usual update now, see you all tomorrow

‘night all
spoon
x

solventsoon

Nargleblast wrote: »

I also had to get some motion lotion yesterday, £58!!! No wonder I got some funny looks, the abject look of horror that must have been on my face......

No galloping pony for me I'm afraid, but maybe a rocking horse?

Here you are, Nargle, especially for you:D:D

Oooh.. it's a bit big - sorry everyone

micron_2

I made it to my revised target of 24 NSDs yesterday so I finally get my dancing banana ..:j. I've just spotted the spinning smiling for smashing your target so if I stay in all day today and don't spend any money taking me to a grand total of 25 can I get one of those as well please pretty please scrooge? What an incentive to stay in today.

I am just off to check what the month of July holds for me before I commit a figure for my July NSDs.

Scrooge, many thanks for all your encouragement and updates throughout the month. I really couldnt' achieve this amount of no spend days without everybody on the thread keeping me motivated and out of trouble.

Thanks every you are all :A.

x

jintyb

Morning everyone, just catching up with the posts, didnt get a chance to post yesterday. Got another NSD yesterday so thats 16 - exceeding my target of 15! Well chuffed!:j
Today is a spend day as we are going for lunch with a girl who's leaving. She works on our team but I dont know her that well. I dont really feel like going but everyone makes you feel like a complete party pooper if you dont go. Do I sound like a real meanie? It's just that when I spend money on social stuff, I want it to be on things I really want to do! Sorry to moan!

Spoon - great job as usual, thanks! Can you put me down for 15 again for July pls?

Have a lovely day everyone!