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Making mayhem in May with the NSD challenge
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No. 4 NSD today chaps. Have found phone :j but TV is dying so have been on freecycle for that and now praying. Lovely assignments and applying for jobs tomorrow, so something to look forward to!
B
Debt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
Diary 'Butti's journey : A matter of loaf or death'.
Diary 2 'The whimsical tale of the Waterbed of Debt' 48% off mortgage
'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB0 -
Hi lovely gang:A
Well it’s Thursday again, another week nearly done and dusted, I’ll have to start planning the June thread in a few days:eek:
Well it may be quiet on here but there are still lots of NSDs rolling in today, well done everyone::j
:j:jebayqueen - for no 8, over halfway now, you deserve to be pleased with yourself, that’s brilliant. Keep going now, you can do it!! I’m good, thanks for asking, all is well at the moment in spoonland, long may that last
:j:j:jbeanie - for no 15, and your target met, that’s brilliant, well done!!! :j:j:j I’ll be awarding your prize when I update the front page now, you have a lovely wet paintbrush to add to your collection, just what you always wanted no doubt. Would you like to increase your target now?
And no 16 today, yay!!
:j:jjaffacakegal - for no 7, halfway there now, that’s brilliant, keep going! I’m feeling quite exhausted reading about 7 miles on your bike....
:j:jchris81418 - for no 15, woohoo indeed! Nearly there now, keep going!
:j:jsuzie wong - for no 7, you’re halfway there now and doing brilliantly! Of course you can do it, we’re right behind you
:j:jangelflower - for no 8, over halfway now, that’s brilliant, keep going! Well at least the one good spend today balanced out the not quite so good one....
:j:jsf - for no 12, only 6 more to get now, you can do it!!
:j:jdonna dynamo - for no 13, only 2 more left for you, keep going! Brilliant news about the London trip, hope you get to stay in a lovely hotel and are totally spoilt for the weekend
:j:jfedupandskint - for no 8, nearly halfway now, you can do it, keep going! Fingers crossed for tomorrow and you’ve got your early finish to look forward to as well
:j:jdmb - for no 9, only 3 more left for you, keep going, you can do it! Hope you enjoyed your pub visit today
:j:jmarmiterulesok - for getting to no 9, over halfway now, that’s brilliant. Like the spirit, of course you can do it, we’re right behind you.
:j:jSusi_Wa - for no 5, you’re doing brilliantly, only 2 more left to get. Keep going, you can do it!
:j:jBlimusOreilly - for no 6, over halfway now, keep going!
:j:jkatholicos - for no 11, only 4 more left for you, keep going, you can do it!
:j:jRed - no 8 for you, over halfway now, come on, you can do it!
:j:jNargle - for no 8, only 4 more left for you, you can do it, keep going!
:j:jkerri - for no 5 and 3 in a row, yay!!! Over halfway now, keep going you can do it! Maybe you should wear those shoes into work more often?
:j:jPalema - for no 5, you’re doing great. I like your spirit, yes of course you can do it!!
:j:jRock_Cakes - for no 12 and 4 in a row for the second time, yay!!! Hope the conference and trip both went OK
:j:jButti - for no 4, halfway now, keep going!! Glad you found your phone but not good news about your TV, you’ve had some good advice on your thread though, hope you manage to find something on freecycle. Good luck with the job applications and the assignments tomorrow.
Hello to:
jinty - glad you enjoyed your hols, shame about the weather but you seemed to be having a good time regardless. Hope your mouth is healing OK:)
LittleMissHappy - sounds as though you had a lovely, sociable day, glad you enjoyed it. :T Fingers crossed for tomorrow for you
Another NSD for me today, taking me up to no 15. Only 5 more to get now, woohoo!!!:T
Off to update the front page now, so see you all tomorrow.
‘night everyone
spoon xxThe time you enjoy wasting is not wasted time
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Good morning everyone! :wave:
Just clocking in before heading of to work.solventsoon wrote: »:j:jchris81418 - for no 15, woohoo indeed! Nearly there now, keep going!
Thanks Spoon! And yesterday I caught another, so I'm now up to 16 NSDs! Yip pee!
Enjoy your Friday wiggle and that Friday feeling everyone!:money: Proud to [STRIKE]be dealing with[/STRIKE] have dealt with my debts! :money:
DFW Nerd #1256, WSC £?/£? for w/c 03/03/2013, NSD ?/19 for 03/2013, Long Hauler #196
highest debts: 01/06/2006 £69,023.92 _pale_
debt free date: 31/12/2012 £0!0 -
Hi Everyone
Those NSDs have been tricky to catch this week. Number 13 declared though
M&S £2878.22/ Natwest £3526/ Loan £405/ [STRIKE]Sofa £0[/STRIKE]/ [STRIKE]Ring £0[/STRIKE]/
Savings £12.04 NSD 3/10 :cool:Total £6915.88
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Got another 1 of the pesky nsd's in the bag, take's me to 8£71.93/ £180.000
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Morning all!!!
Will catch up properly later, but just popping on to declare number 12 for yesterday.
Tea with my friend, so a lovely night & not a penny spentFebruary NSD challenge 5/150 -
solventsoon wrote: »jaffacakegal - for no 7, halfway there now, that’s brilliant, keep going! I’m feeling quite exhausted reading about 7 miles on your bike....
Thanks Spoony!
It's not that far considering in 8 weeks I need to do 60 miles in one go :eek: not sure how that will go!
NSD 8 yesterday, not sure I will make my target but will try my best
Hope everyone has a nice (spend-free :rotfl:) weekend!
JCG x0 -
Another spendy day for me
I knew this month would be difficult for NSD's so it's my own fault for putting down 18 :cool: I went into town with my Mum and forgot to ask DH to put some petrol in my car (the light was on!) so I went to fill it up and it cost me £57 :eek::eek::eek: Last time the light was on and I filled it up it was £45 ish!
Anyway, to get over the shock I had to get myself a couple of pairs of sandels and my Mum got me a pair for my birthday which she said I could have early :j
Then there were the lattes.....and the parking charge......never mind
Tomorrow won't be one either as I am going out with some friends for my birthday :rotfl: where oh where will my next ones come from?!?!?
Hope you are all much more successful at catching those pesky NSD's than I am xBe the change you want to see in the world - Gandhi
OU - DD100 (P), DSE141 (D :j), DSE212 (P
), ED209 (02/12), DXR222 (07/12) SD226 (02/13)
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Afternoon all :hello:
Spoony reporting in with my 12th NSD Thank you x :A
Just in time for the friday ~ Wiggle ~ :dance:solventsoon wrote: »Hi lovely NSD gang:A
As you can see there is lots of activity on this challenge 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.
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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