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

romylou_2

:TNSD No. 8 please for me.

Well done everyone, keep up the good work.

mumofjusttwo

Well doing well. Really trying hard.

So far I have 9 NSD and also had 4 in a row. Only reason that I did not have 8 in a row was because I went shopping with my niece on her birthday.

DansMum_2

Yip :j

Today is officially a NSD for me today hooray taking me half way to my target

Have dinner in the slow cooker, a :coffee:, you lovely lot and a fire going

6/12 :T

beanielou

No 11 today.
So can I please increase to 14 please?

Hope you are ok muffin man.

BigMummaF

kerri_gt wrote: »

....Regarding the caffeine thing - I don't think i've had any more/less than normal on the tea front today but deff no headaches...1*it's either my screen...or I think it might be 2*the heating at work - which sounds silly....Or perhaps I was just tired....3*I used to get a lot of headaches at one time in school, they never really did find the cause of that either - might be stress?..../QUOTE]
1* If you think it's your screen, your employer should be paying for sight tests & contribute towards spex; also if you need safety glasses for your job.
2* Nothing unusal about air con or heating causing headaches & again, bring it to the attention of your HR dept. You may be surprised at how many others are also suffering, & may just need an atomiser or something to keep a bit of moisture in the air. Remember too that you MUST drink more if the heating is on as dehydration can cause all manner of nasties
3* Could also be the lighting. Those awful strip lights were a real pain for some & some unfortunate souls could see every little flicker

bella121984 wrote: »

....Mr T instead of Mr S too which she swears is cheaper. Not sure ive really noticed any difference....

Have you tried using My$uperm4rket to compare prices Bella? You can use it to do online shopping but I just check the price per 100g etc twix the big four. Another one is F1xtur€ F€rr€t; you need to pay about a fiver a year for that one but it gives you the current special offers for around 8 or 9 supermarket chains.

HeadAbove wrote: »

....hope to improve as the year goes on

Oh it does..AND very compulsive Had to collect a script for me muvva yesterday [spoke too soon but thankfully nothing too serious *phew*] & was sorely tempted by two puzzle books at half price. The chemist was empty tho so they did the deal straight away, or I would have gone to the chicken house (coop..geddit? ) next door to see what to leave The Offspring for today too. Upshot was I kept my nsd intact yesterday by the skin-o-me-teef to add to Monday's & making my current total 8 :j

dollybeads

NSD 5 for me, and 3 in a row, I am starting small but getting there. I :heartpuls this challenge, am also on the diet coke one too. Damn those diet coke elves

BigMummaF

catslovelycats wrote: »

Well I had to fork out £7.20 for antibiotics today. Darn it. And that meant needing to buy some bio-yoghurt so I can keep control on my bacteria levels... And then that led to me buying some reduced veg for the guineas. So what I hoped would be a NSD has turned out the opposite.

Sorry to see you're poorly; have a dodgy :grouphug: to make you smile Pet x
Not sure how often you have prescriptions but there is a system for 'buying' cover for as many as you need for anything from 3mths to a year at a time. There's a bit about it HERE & I think tizz Keiss who knows more..

needinghelplulu wrote: »

Hello I hope you can help me....
Was also spending on Avon products and buying from vending machine in work which have I now stopped :T

MOT is due in September 2011 and was hoping to put money away for Christmas 2011 but not sure if I can?

Thanks

Louise

Hello Lulu; of course we'll help if we can This Challenge can help you cut down on those annoying little spends that soon add up to a king's ransom if you let them, so have a ponder & see what you think. There's a few guidelines & if no-one else has 'bumped' them by the time I've hit submit, I'll do it for you. So pull up a chair, put yer feet up & have a squizz...

Trinny

Hello All

NSD 7 for yesterday and declaring NSD 8 early for today please Spoon

Thanks

Trin

BigMummaF

HeadAbove wrote: »

....Very much inspired by you and others reporting such great figures on here so hope to improve as the year goes on

Please remember tho that we all have different home/work/family set-ups & that can make a huge difference For me, my lot SIZE=1]aka The Offspring![/SIZE are all adults now so the demands on my purse are considerably less than if they were at school.

That's why I encourage folk to be proud of their own achievements & not compare themselves against others, & why the f@il word is not permitted on this thread

BigMummaF

As promised...

ifwisheswerehorses... wrote: »

Good afternoon all, Bumping BigMamma’s and Spoon’s posts x




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!