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

boultdj

Now up to #7, but tomorrow will be a spend,need stuff like milk + fruit and minor detail of rent + council tax.
hug' to anyone one need's or just want's one.

Tixy

2 more for me please, so total now 3 please

(not sure if we've made any decisions on how to ease the burden on Spoon for the updates, but hope the above might be easier to scan read)

DansMum_2

No spend day Number 4 today :j
Am hoping tomorrow will be too

jintyb

hannah:-) wrote: »

Hi jintyb
Have you tried S!mple Derma? I've got Psoriasis too and this is the best cream I've found. It doesn't get rid of it, but it does make it much flatter and a lot less itchy. I buy the big tubs (the hand cream isn't as good and is more expensive) and slap it on several times a day - it really does make a difference.

It's not cheap but it's a worthy buy!

Thanks - no I've not tried that, but I will investigate!:T

solventsoon wrote: »

Oh dear, jinty, that's not good:(.... tbh it was the first thing I thought about when you were talking about working 3 days a week this year... are you doing too much again and getting stressed (my skin always flares up if I get stressed).

Can't offer any advice on your skin but can send you a ((((((((((hug))))))))) if that helps.

Thanks Spoon - yes, I did consider that before I agreed to go 3 days.lLike you, my skin plays up when I'm stressed, but I'm ok as far a stress goes ATM. I think this flare up is a reaction to something I've eaten or am using. Its really bad on my hands just now. Trouble is I'm trying to figure out whatthe cause is :think: I got some latex free pvc gloves from Boots to see if that helps - I use rubber gloves for everything. I also got some cotton gloves so I can slap on my cream on my hands and cover them at night. I hope they will help with the scratching
xx

Great news re the bank (not something we hear often nowadays) but :mad::mad::mad::mad: to customer services at $!mply Be:(

I'm going to follow this uo with Trading Standards per Big Mumma's advice


YAY!!!!!! new sofa and dog out of doghouse.. result:j:j:j
Phoned insurance company and got a note of the figure they are giving us as a settlement- we went sofa shopping and put a deposit on a new 3 seater and armchair ( with recliners, wow!) I'm so excited! :j We got a really good deal, so roll on April when they are due


Good luck with the budget;)
xx

Finally - we went to Costco and i behaved myself and came in £11 UNDER budget, so that was very good! Freezer stocked with mince, chicken, gammon steaks , bacon and stew. I always feel very happy when I'm stocked up;)

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!

slowlyfading

number 5 for me today - will do a round up later!

romylou_2

No. 4 NSD for me today!!!:j

sazzledazzle

Yippppeeee Another NSD So that is 2 So far this month, cant believe how much this makes me think about what i am spending my money on. Hoping tomorrow will be another as I am doing my third little job so will earn not spend.

IF

Good evening all x

solventsoon wrote: »

Oooh..... not like me:D:D
I came here originally to wish everyone a Happy Friday and invite you all to participate in our Friday wiggle - an established tradition here:D

Let's all have a wiggle, come on, you know you want to:D

Spoony I'm wiggling :dance:

rising_from_the_ashes

jintyb wrote: »

Thanks - no I've not tried that, but I will investigate!:T

I also get psoriasis - unfortunately on my scalp a lot (which means creams are useless) but also my hands (especially in winter) and for some reason it's started on my upper arms - HORRIBLE.

Someone recommended Aveeno to me & it's been great. Again, not cheap but you only need a tiny bit. There's several different "varieties" (if you look on Boots.com you'll get an idea of prices/types if you're interested).