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

boultdj

And now up to #10

DansMum_2

Another Flippin spendy day!!!

But... I bought coal from my Christams money. Gotta keep warm! Sent 3 ebay parcels which are already accounted for so dont count. So the only thing I properly bought was milk and cat litter @ £8.05...

At work tomorrow, so hopefully can rein myself not to spend owt

tazmac25

NSD no 2 today ~ eek got to find 8 more before the month end ~ I didnt realise how much I went to the shops so this is beginning to really highlight my spending habits but Im sure I can do it

I know Im off to the shops tomorrow as almost out of pet food ~ 3 large dogs and 7 cats are a major expense but worth every penny and Im planning on buying the whole months petfood tomorrow from Sainsburys to get the points on my nectar card

Good luck everyone else on the NSd challenge

sazzledazzle

Yippppppe another NSD for me today and looks like I may be able to earn a bit of extra cash on my 2nd job.

WelshWoofer

A £4 spend for me today but it should be a NSD tomorrow - famous last words......

Brown_suga

solventsoon wrote: »

Yay to the NSD, Brown_suga:j
Well done for resisting the books:j. You might want to join Pickle's no more books challenge (on the DFW diaries):)
x


You could claim either way as an NSD, got-it-spend-it, provided it fits in with your rules:)
x


You can do it, bella, we'll be watching you:D
x

No more books challenge....... that has my name all over it! Although I have gotten better and put loads on my Christmas list this year, I have around 40 in my amazon wish list!!

kdenty

NSD 8 for me please

monks

Number 8 for me today also. :j:j:j

IF

Good afternoon all, 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

Written by BigMummaF x

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!

Dee_cb

Can I join this please. I've already done 3 days this month with no spending at all but I'm looking to do at least 10