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

butdoineedit?

Happy Birthday Emma & Kdenty!!
Glad you had a fab day Emma & your parents sound lovely!!

Furious with myself today as ruined a NSD for a pack of profiteroles :mad: & this made me realise i need to rethink my rules. I had it in my head that it was "cheating" if i didn't declare every spend i made on the day i did it, so having to pick up a prescription (for which i already had the money) today i fell into the local supermarket & ended up with the said offending item.
If i had just accepted that it was fine to put the prescription money to one side, i may have avoided the supermarket & been £1.79 better off :mad::mad:

That's it now, rant over, off to compile a new list of my rules & stick them somewhere i can't miss them!!!

:mad::mad: to the DD Jinty, hope you got it sorted ok?

SBeth

NSD No. 2 for me :j

SarahNeedle1872

No NSD today... forgot to take my lunch

Sx

slowlyfading

I wasn’t going to do an update today, but I might as well!

chris81418 – well done on number 4 :j :j :j
cuddlymarm – well done on 4 nsds so far :j :j :j
got-it-spend-it – well done for 4 nsds so far :j :j :j
savingcaz – well done for 5 nsds so far :j :j :j
redcoltraine – well done on number 4 :j :j :j
teenyweenyspender – well done on number 6 :j :j :j
SuziQ1962 – well done on number 4 :j :j :j
mrs motivated – well done on your first nsd :j :j :j
LittleMissHappy – well done on number 4 :j :j :j
In1981 – well done on 4 nsds so far :j :j :j
jintyb – well done on number 4 :j :j :j
kayleighpea – well done on number 3 :j :j :j
elfin – well done on number 3 :j :j :j
monks – well done on number 4 :j :j :j
boultdj – well done on number 6 :j :j :j
Brown_suga – well done on number 2 :j :j :j
madras – well done on number 4 :j :j :j
Changingme – well done on 5 nsds so far :j :j :j
Amethyst68 – well done on number 5 :j :j :j
romylou – well done on number 3 :j :j :j
suzie wong – well done on number 3 :j :j :j
Wee Pilsbury – well done on number 5 :j :j :j
beanielou – well done on number 6 and 6 in a row :j :j :j
moneypenny2k – well done on number 4 :j :j :j
Surfbabe – well done on number 3 :j :j :j
donna dynamo – well done on number 4 :j :j :j
emiliah – well done on number 2 :j :j :j
nargleblast – well done on 3 nsds so far!
ilovetea – well done on number 5 :j :j :j
elf06 – well done for number 3 and happy birthday! :j
Palema – well done on number 3 :j :j :j
Tropicalmoments – well done for the first nsd of the month :j :j :j
SBeth – well done on number 2 :j :j :j


:hello: and welcome to WonkeyDonkey and well done on 3 nsds so far!

And I got number 4 today

IF

Just bumping BigMamma’s and Spoon’s posts x

solventsoon wrote: »

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

BigMummaF wrote: »

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!

plzhelpmesave!

Hi
havent set a target number but had a NSD today which is my second in January!

kerri_gt

Evening all! Just back from my first 'vertical dance & fitness' class for three weeks, and my goodness, I can tell I've had a few weeks off and a couple of glasses of wine to boot - still, good to be back and fitness will come back pretty quickly.

Glad you had a lovely day Elf, aren't parents lovely x

BDINI - oh dear about the profiteroles I recall I was a little of that mindset when I started my challenge, thinking 'oh it's a spend day so I can spend' and I really had to get it into my head that I still needed to think about what I was spending on spendy days. That said, there is a balance, as I am pretty sure the odd time I do have a treat or two on a spend day, I'm still overall spending less than I would not doing the challenge.

Well another NSD for me today which takes me up to *checks sig* 3 NSD so far :j

I did pop into M*nsoon to buy some pjs which I'd ummmed and ahhhed about but they had sold out (my own silly fault for not getting them sooner :mad:) however, I would have used the £ I got back from the ones I took back earlier in the week (which were an xmas present from my mum - but she's fine about me returning stuff if it's not right) - so I still have £21 in my purse to spend on pj's or something to treat myslef to when the time comes.

Ahhh...ready for a Friday wiggle tomorrow - whooo!!!!

beanielou

Did you try online kerri?
Im sure you have.

kerri_gt

beanielou wrote: »

Did you try online kerri?
Im sure you have.

Yes I did have a look online but no joy. There are a few stores dotted around fairly locally to me, but I was thinking whether its really worth me trekking round to what is prob going to be a fruitless mission when I am sure there will be other pjs about later in the year. Sometimes I get fixated a bit with a certain item I 'must have' and am really trying to stop this - that said there is a pair of shoes I saw in TK M*xx nearly 2yrs ago I still wish I'd bought :rotfl:

beanielou

I am like that so much so I get annoyed at myself sometimes.