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

moneypenny2k

lilylass wrote: »

Ohhhhh errrrrrrrrr! Have a fabby time Cheryl!:D


Declaring NSD No 8!

Been out with dog & not going anywhere else today so think I'm pretty safe doing so.

Have a great weekend everyone!

Can I stop myself... nope I'm not gonna say what I'm thinking, but I'm jealous lol

moneypenny2k wrote: »

OOOOOOOOOOOO somebody else watches QI. I love useless information :rotfl:

I went to bed with the laptop at 6pm last night I was so tired, so I'm ruminating on whether to have a stay at home weekend or a go and see my mates and chill out weekend. Not sure which will win. Whatever happens tomorrow will be a spendy day as it's the only day I can park free at the local market. I really begrudge the £2 for one hour fee to park in a windswept bit of concrete covered in vegetable leavings on the roof of the market. Plus my lovely longines watch has finally stopped so I need a new battery, that's liable to set me back a few squid. So I'll do the lot together tomorrow.

Have a good one all

Spent the whole morning marking, still got loads to do, but decided to go and get my nails done today as I've got 2 after school meetings this week. So did the shopping today, apart from the fruit and veg and the watch battery so it won't be a nsd tomorrow either. Hopefully Monday will be.

cw18

moneypenny2k wrote: »

Can I stop myself... nope I'm not gonna say what I'm thinking, but I'm jealous lol

Nothing to be jealous of.... apart from having company :rotfl:

So far I've changed his browser and anti-virus s/ware for him, and taught him to play Spider Solitaire.

We're currently eating tea, with plates on laps, while he plays the game and I catch up on forums

beanielou

All sounding good Cheryl

Amethyst68

Today has been NSD number 15 for me.:j:j:j

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!

2joanne

So struggling on the NSD's still at 4 on a target of 10!!

8 days to go - 6 be NSD's?!

ilovetea

Had a spend day today,not much ,but needed a few bits,bananas,eggs and chicken.
Hopefully tomorrow will be a NSD.Determined to reach my new target.

ilovetea xx

Tropicalmoments

#12 for me today. A little fragile this morning but not too bad although it was 1.00 pm before I got my backside out of bed:D

savingcaz

Hi Solvent,

Can i increase target to 20 please, and also declare NSD #19 for today!! I've been lucky today had a spendy day really but was spending mum's money. She took DD for some new shoes, and she ended up buying her 2 pairs plus the most beautiful Gund teddy that reads the whole of the night before christmas story!! Bargains too! £105.50 worth of goodies (2 x shoes & Bear) for the bargain price of £50

Anyway tomorrow will possibly be a spend day, although not sure yet, DD has taken to magna doodles in a big way and there is one in the toy shop reduced from £20 - £7.50 She's been so good this week, we started potty training last week and she's only had 1 accident on the first day. Tonight a week on and she has gone to bed with no nappy too!!! - been dry for last 4 mornings and just asked for potty when she has woke.

I feel she deserves a little treat and my mum gave me £20 today to tide us over till Tuesday and told me to go and get it for her. So is it classed as our Money? will be giving my mum the £20 back on payday (even though she won't prob take it!)

skaps

Up to 13 NSDs