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Bridge the gap with the February NSD challenge
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Spending today. My OH broke one of the draws inside the freezer last night trying to make himself a late night sandwich! I was not amused. It's £21 for the spare part but I suppose in the olden stupid days I probably have bought a new fridge-freezer (it is getting old). I just hope it doesn't die after I repair it.
I'm up to 14 NSD's now.0 -
Does anyone else get an odd sense of pride when they realise they haven't spent any money? I was literally on cloud 9 as I left work, I realised how weird that is but hey, it's a cheap thrill!
I'm going to provisionally declare NSD #11, I'll be going with my mum to the supermarket later but I don't want to sacrifice a good moneysaving day
EDIT - I survivedNSD #11 is secured.
Thank you competition posters!
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Ta da! Feeling not tired at all today and really looking forward to my run after work - which I did! My dog enjoyed it less on the way back tho - lazy bones!
And very pleased to report NSD 14 todayfinal unsecured debt to repay currently £8333Proud to be Dealing With my DebtDFW Nerd 1154 Long Haul 1550 -
Good evening all :hello:
Spoony and SF, got my 14th NSD yesterday, alas a spend day today!! Thank you :A:A
Some helpful suggestions and ideas to follow below from our sponsor and godmother, BigMummaF :ANO 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 fineEveryone 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 clubThe 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!"If wishes were horses, then beggars would ride"
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9th NSD today only 3 more to go to hit my targetNo More Buying Books 2012 ...read 35 ; Bought: 5Sealed Pot Challenge 5 member Number1719£2 coin saver £10£1 savers £60
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Oh,I must post more often :mad:. Get confused very easily these days!.
Thursday. NSD 12.
Friday. Spent just over £15 on fruit,veg,milk and bread.
Saturday NSD 13.
Sunday . Spendy day. Bought new lightshade.
Monday NSD 14.
Tuesday. Was going to declare another nsd then realised that Mr.T. order came this morning. I'll say tat the payment will be taken today.At least it should be a NSD tomorrow,
Now do I up my target again?ilovetea xxMake £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/200 -
Spending today. My OH broke one of the draws inside the freezer last night trying to make himself a late night sandwich! I was not amused. It's £21 for the spare part but I suppose in the olden stupid days I probably have bought a new fridge-freezer (it is getting old). I just hope it doesn't die after I repair it.
I'm up to 14 NSD's now.
Yikes! though thats pennies compared to the £60 Belling wanted to charge me for a new oven handle when I damaged it with oven cleaner. Prob not so good for a draw (due to volumetric size) but for things like that 'fleabay' is always a good option - even someone selling an itme second hand might let you buy the full item and just take the bits you need - or if it's close by you could take the full item, take off what you need and sell the other parts on?
Declutteirng - I know exactly what you mean, I have just hit 3 in a row for the first time since I've been counting and am well chuffed :j
Clocked up another one today Spoony, so that's NSD #11, oh and 3 in a row, which (sadly) is about my best yet excluding when I have been away with workFeb 2015 NSD Challenge 8/12JAN NSD 11/16
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Sunnylooloo wrote: »
My divorce is on its way now to reaching an end so that helps me - feel much more chilled.. Just waiting for the people who have put an offer in on my house to sell theirs then a new start all round!! Can't wait!
Love
Looloo
xxxxxxxxxxxxxxxxxxx
What a relief LooLoo, great news!butdoineedit? wrote: »Well i blew it today, gave in to chips at work, it was just one of those days!!
Still time to get to target though, so back on track tomorrow!!
I had one of those too - I am totally peed off!:mad: Was at my desk at 7.50am and didnt lift my head until 1.15. Had 20 mins for lunch and lots of emails fired at me with "things to be done".:mad: Bearing in mind I am on a 3 mth secondment to help this team out, I am rather cheesed off at their attitude. I left tonight fizzing mad:mad:, but I'm more mad at myself for not saying anything. I am preparing a list of points which will be getting raised tomorrow!
I had thought of making the 3 day thing permanent if all went well, ( the money would be handy)but my instincts are telling me to revert back to my original team once the 3mths are up!
Sorry for the rant:o
On the upside - # 13 today:T
you will always be rich enough to be generous.0 -
Rant away Jints - we don't mind, and by the sound of it, you're totally justified in being p**d offFeb 2015 NSD Challenge 8/12JAN NSD 11/16
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Just realised I'm now on 3 NSDs in a row - aiming for another 2 in a row for Wed and Thurs and maybe, just maybe Fri too and even then maybe the tiniest hope of the weekend too as I need to get my assignment writing head on and start tackling the mountain of 3000 words down to 0 owed!
Blimey if I manage all this week at work that's Sun - Fri = 6 days - unbelievable!final unsecured debt to repay currently £8333Proud to be Dealing With my DebtDFW Nerd 1154 Long Haul 1550
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