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

WonkeyDonkey

Looks like today will be No. 7 this month

...i've got no cash and waiting for a cheque to clear so can't see how I could spend

jintyb

chris81418 wrote: »

jintyb - Hope you manage to sort out you're sleep patterns - I've been noticing you're early posts, as I'm normally an early riser and skim thorugh the tread first thing, and your post at silly o'clock is normally the most recent post that I read. Are you stressed/worried about anything at the mo? If I'm worried about something (normally it's money!), I end up having a dreadful nights sleep, and so just get up at silly o'clock, rather than tossing and turning in bed! It makes me feel better, because then at least I feel I'm up and doing something rather than just lying in bed and thinking about it - a little less talk, a little more action - I like to sing along to sometimes!

solventsoon wrote: »

jinty - not good about your insomnia:(, how's your skin atm?
Take care x

Aw, thanks to you both!
I'm didnt feel I was stressed about much ATM, but maybe subconsciously I am! As you know, I've taken on a secondment at work and last week and this, it's felt like I've started a new job IFSWIM! The problem is, I feel that the team I'm helping expects me to solve their backlog overnight, or that could just be me giving myself too high a benchmark!;)
We also had some bad news re my MIL last week. She has been diagnosed with cancer in the spleen, lung and liver. We are just waiting to hear how the docs are going to proceed and how progressive it is. I'm also concerned about OH, as we lost his Dad just in November.
Re my sleeping, the problem is I think my body clock in totally out of synch. I crash earlier and earlier, with the result I waken earlier. I think I need to reset myself a bit!
Spoon - my skin is still crp. I look like I have burns its so bad! Back at hospital next Wed!
Sorry for the off topic chat, but thanks for being so concerned:A

elfen

NSD no 11 for me please! Saved the swimming and parcel money and haven't spent anything else

ilovetea

I have up-dated fro a few days either! Sorry.
Sunday and Monday were NSDs Went to post e-bay parcels today,but don't count that as spending.As I was out in the cold got 2x4pts. milk for £2.Should save me going out for a while.
Now up to 12 NSDs.

ilovetea xx

candygirl

Having my 4th NSD today out of 15:j:j

IF

Good afternoon 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!

DansMum_2

So before I make a desicion on today....

I had to spend £6.99 on a mammoth amount of brown paper earlier for all my ebay postage, but as thats been accounted for in the sales, does today count as a NSD or not????

suzie_wong

Another NSD for me, making NSD#8!! :j

Am now hoping to have to revise my target before the end of the month

Keiss_21

Dansmum...think I would class it as an NSD, as you are getting the money from ebay customers...eventually! Just don't use the paper for anything else!!

Yesterday was a spendy day, but today is NSD no 11, getting there!

Paid my friend a cheque today...but wrote it yesterday...did the same for DS's physio appointment tomorrow. This way I get 2 more NSDs, as I am not taking my purse out of the house until Friday at the earliest!!! :j

Poor DS2 is rather down atm as he has hurt his foot - probably tendon/ligament damage. This will almost certainly rule him out of the selection training & match this weekend in Glasgow for the Scotland U-18s rugby team...so he's missed the chance to get picked...poor lad.

Off to take dog a walk (DS's job!) before getting tea underway...toad-in-the-hole...DS's favourite!

Have a great weekend everyone.

PS Spoon...not even taken Elegant Lady out yet...will definitely do it tomorrow...honest!!

WelshWoofer

NSD no 7 for me today:j:j