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

Money_Fritter

Hi folks,

Well I have managed another NSD today so that is 8/12 for Jan

Money Fritter

hannah:-)_2

Had another spendy day today, costing me the grand total of 20p :rotfl:Almost feels too small to declare, but would feel like I was cheating to pretend I hadn't spent it. Hey ho, still a good day even if not a NSD :T

I've been checking through my spending and have spent a lot less this month than usual on the day to day stuff, but I did buy a couple of big purchases, so am still way over budget overall :eek: If it were the end of the month today, it wouldn't be too bad. Can't believe we've still got 2 weeks left to go :eek::eek::eek:

Ah well, taking a deep breath and reminding myself of all the positive thoughts coming from everyone on this thread and I'm again. At least the spending is coming down in some areas!

cw18

Spend day for me today.

Pretty sure a D/Debit will have gone out today (but forgot to check bank account at lunchtime, and still haven't done and won't be doing tonight), and had a "S0d it, let's check the Whoopsies anyway" moment as I left work

Have had a busy evening.... got home from work, had a brew and a 'quick' (1 hour) catch up on various forums, got changed and went for a run (3.77 miles - the longest I've done since November, and I've got a 10km/6.25mile race on Sunday :eek: but I managed the kind of average pace I'm looking for on Sunday, so it appears all is not yet lost ), home, make a brew, phone call from chap (43 mins according to DD who phoned as he was about to, and had to wait for me to phone her back), an hour on phone to DD (during which time I got the veg for tea sorted and cooked), and have just finished eating tea. Now off to iron my uniforms for the rest of the week and think about hitting the sack as I'm back up at 5:30am

katholicos

Having been without internet for about 9 or 10 weeks now, i have some updating to do.

In November i managed 18 NSD's.

In December i managed 22 NSD's.

In January I have nailed 10 NSD's so far - I'm aiming for 18 this month, so if some dear sweet person could include me in the NSD challenge this month it would be very much appreciated.

butdoineedit?

solventsoon wrote: »

Well done, BDINI, you should be proud of yourself....

and especially proud for not using the hoover belt as an excuse to go out and be tempted:j:j:j

jintyb wrote: »

BDINI - I think a massive pat on the back is order for you. Well done for not giving in - that's another hurdle you've overcome. Breaking the habit of having a cig when you are used to having one is hardest bit:T:T:T:T:T

Thanks for the support you two, makes it so much easier having people rooting for me!!

Well not a NSD but possibly the oddest spend day for some time... picked up the hoover belt, then called in the supermarket for some of those big hessian carriers as they are absolutely fab for bagging up the broken tiles from my DIY, got some seriously funny looks from the cashier though as bought nothing but carrier bags, i could see her frowning down the belt wondering what on earth i was going to put in 20 super dooper carriers :rotfl::rotfl:

& then a quick pint in the pub as i owed one to my friend who sat in my house all day Friday waiting for my bath to be delivered.

Tomorrow my purse will remain firmly shut!!

niccatw

moneypenny2k wrote: »

I'm not sure if you'll be non profit making or not but I think this is a good a place as any to start.

http://www.volresource.org.uk/services/serv_bnk.htm

I was on the board of a very small charity before it became registered with the charities commission and we had a trustee account with the Nationwide at that point. It may be worth talking to them

Thank you MP2K. Will have a good read and root around!

Cheryl - I'd casue myself an injury if I tried to sort the veg and talk on the phone. I have to admit to being rubbish at multi-tasking!

Welcome back katholicos

IF

katholicos wrote: »

Having been without internet for about 9 or 10 weeks now, i have some updating to do.

In November i managed 18 NSD's.

In December i managed 22 NSD's.

In January I have nailed 10 NSD's so far - I'm aiming for 18 this month, so if some dear sweet person could include me in the NSD challenge this month it would be very much appreciated.

Hello Kath, it's nice to see you again....we've missed you and I know Spoon will be pleased to see you too

cw18

niccatw wrote: »

Cheryl - I'd casue myself an injury if I tried to sort the veg and talk on the phone. I have to admit to being rubbish at multi-tasking!

I had to develop a technique for this when I used to chat to my SIL on the phone most nights - and I've had to carry on with it since DD got her own place back in 2005

But multi-tasking is a skill I had to develop when running my first home as a single parent while working full-time.... it was the only way I actually got to free up any time to spend with my DD !!

IF

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!

solventsoon

katholicos wrote: »

Having been without internet for about 9 or 10 weeks now, i have some updating to do.

In November i managed 18 NSD's.

In December i managed 22 NSD's.

In January I have nailed 10 NSD's so far - I'm aiming for 18 this month, so if some dear sweet person could include me in the NSD challenge this month it would be very much appreciated.

:hello:Hi katholicos and welcome back, we've missed you:(

Grrr to interwebby problems, hope you're back up and running again now?

Consider yourself included from now onwards, you're back in the gang again, almost as though you've never been away:D

Will add you to the front page when I do the next update (tomorrow now), hope that's OK?

Good luck with your usual 18, I'm sure you can beat that this month:T
spoon x

butdoineedit? wrote: »

Thanks for the support you two, makes it so much easier having people rooting for me!!

Well not a NSD but possibly the oddest spend day for some time... picked up the hoover belt, then called in the supermarket for some of those big hessian carriers as they are absolutely fab for bagging up the broken tiles from my DIY, got some seriously funny looks from the cashier though as bought nothing but carrier bags, i could see her frowning down the belt wondering what on earth i was going to put in 20 super dooper carriers :rotfl::rotfl:

& then a quick pint in the pub as i owed one to my friend who sat in my house all day Friday waiting for my bath to be delivered.

Tomorrow my purse will remain firmly shut!!

Pleasure, BDINI, we want you to succeed:A

I would sooo love to have seen that cashier's face:D:D

Happy NSD for tomorrow.
Take care
spoon xx