Out with the old, in with the new: the January NSD challenge

beanielou

Jinty~I still have a problem round drinking & not smoking.
Habits of a lifetime & all that.
I do smoke on holiday which a lot of people find very strange :rotfl:

beanielou

Glad you found a solution jane

NSD no 13 today.

elf06

Good evening all, well yesterday wasnt the NSD I had hoped for but today WAS so now I am up to number 7 not brilliant but I am getting there so I am still relatively happy. Tomorrow will be a spendy day as I need to nip to Mr T (I am going to stock up on a few bits with the £10 gift voucher I got from Valued 0pini0ns but suspect it might come to more than that), also need to get a pressie for a party DS has been invited to (reserved it today as only one left in stock but havent paid thus keeping today's NSD intact ) and who knows what else tomorrow will bring. I do need to see about getting DS glasses fixed as the nosepad is broken AND want to ask about prescription sunglasses (which I will end up paying for either now or when I do actually order them). Was told to do it at least 6 weeks before our hol and its only 8 weeks away so tomorrow would be as good a time as any.

Just noticed how much of a ramble that was so appologies :rotfl:head is mince today. Got some good news at work but its one of those situations that I dont want to be in but its actually better for my circumstances if that makes any sense.............. oh boy I reallly am rambling

Anyways hope everyone is well and sorry for my rubbish typing lately my L button is on the blink :rotfl:

dmb_2

No. 9 NSD please. 5 days on the trot without spending. A record I think. :j Will have to spend tomorrow though:(

Tropicalmoments

#7 NSD for me. Glad it's Friday and a much better Friday than last week's one.

Hoping not to have to spend anything tomorrow either. It's supposed to be raining all day so will probably just have a bit of tidy up and look for more things to sell on ebay/amazon.

Tm

Catslovelycats

I'm excited about tomorrow. Returning £149 worth of clothes to M&S £94 to Clarks and some bits to Next. Painful, but needs to be done! :rotfl: :A
I have a £44 credit note for M&S. :D:D:D:D
Challenge: to go into town without buying anything except for using my M&S credit note. :eek:
If I manage that it'll be a first! :j

HeadAbove_2

Hi all, just popping in quickly to declare NSD NO. 5 for me today

Hope you're all well

suzie_wong

beanielou wrote: »

NSD no 13 today.

:eek: How have you managed that?! It's only the 14th, and you have had 13 NSDs??!!! :T

IF

Bumping BigMamma’s and Spoon’s posts x

solventsoon wrote: »

Hi lovely NSD gang:A
As you can see there is lots of activity on this thread 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.

Thanks everyone:A
spoon xx

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 :whistle:)
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 Solvent's (aka Spoon:rotfl:) first 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..:think:..let's say **putting the week's bus fares into the pretty coffee jar, Jo's tumble tots SIZE=2]Weds mornings[/SIZE in the cracked teapot & Ben's £1 coin for the gym locker SIZE=2]Friday lunch[/SIZE 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 :j 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 :rotfl: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!

katenut

Number 10 for me today - very chuffed to have got a NSD on a Friday!!