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Out with the old, in with the new: the January NSD challenge
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Hi. I'm going to aim for 11 NSD. So far, I've done 2 and I'm ebaying and cleaningthe house all day tomorrow,so that's 3 already.Proud to be dealing with my debts - DFW Member 1205!LBM Aug 2006 - Debt £35K. Debt: JAN 2020: £0!!
No New toiletries till I've used what I've got. DFW Long Haulers supporter 221.0 -
Please can I be put down for 12 NSD's this month please. I am determined to sort this problem out once and for all in 2011.MAY NSD's
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No NSD today as had to get a few bits (bread, milk etc)
Sx'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
Good afternoon all :hello:
Spoony got my 1st NSD yesterday, thank you x :A"If wishes were horses, then beggars would ride"
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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 fineEveryone 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 clubThe 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!Full time Carer for Mum; harassed mother of three;loving & loved by two 4-legged babies.
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Number 2 NSD today, and tomorrow will be number 3 because the banks don't take money out on Bank Holidays and I will be at work so the moths in my purse will be confined to barracks.
What a fabulous bunch of new peeps joining us, this thread is obviously gaining in notoriety!
(Notoriety in being a thread that focusses on serious issues such as cutting back spending etc. Well, what else would we be notorious for?? :whistle: )One life - your life - live it!0 -
I've left the third draft as is, as it seems most folk are happy with it for now. So now if you'd care to copy & paste so it appears fairy often through the thread, we shall have a reminder close by to refer to..thanks
Still going twix home & mutha's so No 1 was an easy do yesterday
Full time Carer for Mum; harassed mother of three;loving & loved by two 4-legged babies.
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hi everyone,
signing up for another month! didnt quite make my target last month, but this is a new year and new start!
put me down for 10 again please spoony
didnt spend anything yesterday, but have today
:beer:Moved into dream house - 17/08/12Savings - £600Xmas 2013 - £43Credit card - £2741 :eek:0 -
number 2 for me pleaseBe who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
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Today is NSD #2!
Browsed a few online sales but nothing I wanted ... and didn't get tempted to buy 'something because it's cheap'.
:jDebt Jan 2008: £45,566. *** June 2013: DEBT FREE! ***
Paid back just under £50,000 due to some interest added.
Dealt with my debt through a Step Change (CCCS) DMP.
DMP Mutual Support Thread Member #240.0
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