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

kdenty

NSD number 11 today

:rotfl:

elf06

Bit sore and fed up now
not even a NSD..........................boo

Catslovelycats

elf06 wrote: »

Bit sore and fed up now
not even a NSD..........................boo

have you hurt yourself, elf?

rising_from_the_ashes

Awww, hugs to everyone who's under the weather and Cats, hope the thumb's getting better.

It's apparently the worst day of the year today so things can only get better, as they say.

Anyway, pleased to say I've been a good girl today ..... Number 5!

Trying hard to make it 2 in a row tomorrow.

Nym_Mcfroglet

NSD no 8 here And I may as well up my target to 15 as I know for a fact there is no more spending until a week today as I have no money left... boo... but travel and food and such like are all paid for.
A frugal week ahead I see before me!

moneypenny2k

Just reporting in nsd 11 won't be a nsd tomorrow as it's salsa night. I'll fill the car up then too.

Hugs to everyone that needs them

Have a good evening all:wave::grouphug:

rising_from_the_ashes

lilylass wrote: »

Awww, hugs to everyone who's under the weather and Cats, hope the thumb's getting better.

It's apparently the worst day of the year today so things can only get better, as they say.

Anyway, pleased to say I've been a good girl today ..... Number 5!

Trying hard to make it 2 in a row tomorrow.

OMG, please make that Number 6! (I've lost count)!:o

elfen

Money's all ready for swimming and collecting my parcel tomorrow, so should be an NSD, and hopefully Wednesday too. Thursday I'm in uni 10-7 (2 hr break but I'll take lunch) so it should be one then too

cw18

suzie_wong wrote: »

Just had a phonecall from the van driver, who said that although there is a minor scuff on his wheel arch it is nothing compared with the general wear and tear on his van and he won't lose any sleep over it- so I can relax!!

I have to say that it was really nice to read this, given these days of 'claim every penny you can from anyone for even the most trivial incident' :T

IF

Good evening all x

Bumping BigMamma’s and Spoon’s posts x


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!