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

Yorkielass

suzie_wong wrote: »

That's what I do Lilyass- I don't count DDs as they will go out whatever I do that day! I include everything else that I spend on a card or with cash. Food and petrol is included. The food and petrol thing actually helps because if I know, for example, that I will need petrol tomorrow, I will try to put off any other spending until the same day. Mostly it works- occasionally I will find that we have run out of something unexpectedly- in which case I try to get DH to get it on the way home from work! :rotfl:

I do almost the same, all cash and card spends I make/things that are joint - not things OH buys just for him or him buying food at work - I can't control whether he does that or not.

Yorkielass

So Friday and Saturday both turned out to be spend days but it was mainly food, I'm not well with a horrible cold/cough and we're having trouble with house selling and mortgages and OH was fed up so in the end planned meals went out the window.

NSD today though so 12 for me

tomorrow will be a spend day, - need to develop a plan for February - this is really helping with random spends.

solventsoon

Hi everyone
The February challenge is now open if you feel like joining up for another month of madness:D

The link is below:

https://forums.moneysavingexpert.com/discussion/comment/40764746#Comment_40764746


Looking forward to seeing you there...

spoon xx

solventsoon

Hi lovely gang:A

Well I've been busy posting the new thread tonight, so not much time for a catchup, but lots of you have made your targets tonight, so a mention to:

:j:j:jWee Pilsbury :j:j:j
:j:j:jchris81418 :j:j:j
:j:j:jDecluttering:j:j:j
:j:j:jdollybeads:j:j:j
:j:j:jKeiss 21:j:j:j
:j:j:jNargle:j:j:j
:j:j:jSBeth:j:j:j
:j:j:jilovetea:j:j:j
:j:j:jnicca:j:j:j
:j:j:jlilylass:j:j:j
:j:j:jBDINI:j:j:j
:j:j:jifwishes:j:j:j

And a huge WELL DONE to everyone getting NSDs today and exceeding targets.

This has been a great month for NSDs, some brilliant numbers on the front page, so well done to all of us:j:j:j:j:j

'night everyone
spoon xx

chris81418

Good morning everyone!

Yesterday I reached 24 NSDs and 7 NSDs in-a-row! Whoopeee! I'm going to declare with those final totals for the month, as I have a food shop to do today, as well as my mobile phone to sort out, so today will definitely be a spend day.

Well done everyone with all the NSDs collected this month!

See you all on the Febuary thread - and thanks as always to Spoon and SF for all your hard work! :T

elf06

lilylass wrote: »

Finally managed to reach my target :j(thank goodness as about out of time).

Have to think about the best way to move forward with this - I excluded direct debit days from bank (as spread out over month) but included everything else.... think I may exclude petrol and main shop each week (as basically have to get them) but not sure if this is the right way to go about this........ will ponder tomorrow.

Have a good week everyone!

beanielou wrote: »

Thats basically what I do lillylass if thats any help.
I exclude DD's, petrol & main food shop as long as I stay within budget.

suzie_wong wrote: »

That's what I do Lilyass- I don't count DDs as they will go out whatever I do that day! I include everything else that I spend on a card or with cash. Food and petrol is included. The food and petrol thing actually helps because if I know, for example, that I will need petrol tomorrow, I will try to put off any other spending until the same day. Mostly it works- occasionally I will find that we have run out of something unexpectedly- in which case I try to get DH to get it on the way home from work! :rotfl:

I dont count DD either (although I prob could as nearly all of them go out between 1st and 3rd of month with just a couple of stragglers), I dont have a car but if I did I would count any spends on it. Count everything else except my once a week to the gym. I started this challenge to stop the nipping to the shops for the odd bits and pieces and it seems to be working Maybe as I get better I will start to include EVERYTHING but for now I'll stick with my only exceptions being DD and gym ,

jedi82

Morning everyone, not been around much but been a really good girl and managed 12 NSDs so am very prud of myself. Not going to be a NSD today as have 4 birthdays this week (inc DS) so am off out today to get cards and bits.

Glad to have got through january!!!!

jedi xx

emiliah

Morning all

Total WILL be a NSD therefore reaching my goal of #15 NSDs:j:j - just made it!!!

teenyweenyspender

Just for complete-ness, before I jump on the shiny new February thread - I managed to grab a final January NSD today. Resting my total at 21 :j

See you all on the new one ...:)

Brown_suga

Morning Guys,

I know I have been quiet over the past few days..... but I'm back to declare the last 3 days as NSD's, so I actually made my target :j:j:j

The challenge definatley makes you more aware of spending habits and 10 days out of 31 was actually quite hard! Am doing so much better in terms of budgeting and shopping so want to achieve the same in Feb as well!!!

Not sure if this will be picked up so I will post on the new thread as well