Jolly June's NSD Challenge!

wouldbeqaulitymoneysaver

kerri_gt wrote: »

Have you done a SOA latetly or keep a spending diary to see where your money is really going - eps on the impulse buys, it might help you focus a little more on less spending?

I am afraid of being misunderstood for who what I am when it comes down to the SOA.
A Spending Diary might be a more sensible idea and more gentle approach for me.
( Those on Benefits have a hard time on these Boards and lifestyle needs misunderstood 'you don't need an Iphone' or other judgements I am afraid of I will not visit the Benefits boards here though MSE should be a place where you are safe to legally screw the system after all WE are being mightily and mostly illegally screwed and we should return like with like)
Just writing that bracketed paragraph is a scary thing.
Better leave it at that.
I want to get into fully BE MYSELF AS I AM into MSE which has got so much to give to all sorts of people and people with Iphones which won't go down with lots of people but I can prove its benefits and justify its costs.

At 50+ people of my age can search for all the work they like they are least likley to be employed (Academic papers!! actual!! on HDD) Disabled people are not treated as eqauls in Society.
Life is about getting SOMETHING WONDERFUL out of absolutely NOTHING
I hope I am being understood as my financial ways help me save money though I need MSE Therapy.

wouldbeqaulitymoneysaver

Happy Birthday to AlyPaly and Little Blondie I hope you both had great days.

Trinny

Hi Op

NSD 13 for yesterday please

I may be back later if i manage to grab another one today

Trin

Keiss_21

Hya all, not caught up with all the posts... busy, so declaring today as NSD no 17. :j

Should keep me out of the shops, having declared so early :rotfl:. Will pop on later to catch up.

Have a great weekend everyone.

ebayqueen_2

morning Spoon

I have had a ridiculous month...have found it very difficult to get my nsds.

So today is my 6th and I hope tomorrow will be the 7th. Heres hoping.

Have not been on this thread enough this month as I have being going full strength at the £10 per day. I have done brilliant but need to get my nsds into place and my Grocery challenge into check too.

Need to sit down and sort my head out:rotfl::T

God bless all
E:A

IF

Afternoon All :hello:

slowlyfading wrote: »

Please can you to highlight your number of NSDs in a colour and in bold and preferrably LARGE so that I can see them easily when I whizz through the posts - any colour will do, though I am personally partial to PURPLE

Some helpful suggestions and ideas to follow below from our sponsor and godmother, BigMummaF :A

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!

Learning2Budget

NSD 11 for me today. We were gonna go strawberry picking but weather and grumpy husband saw that plan go down the pan.

fedupandskint

Good afternoon everyone on this warm Saturday afternoon. I am back from my holiday and well deserved rest in a fully mixed bag of weather - very enjoyable indeed!

Only 1 NSD last week and 1 today so time to tot up how many and see if I can get any more in before Thursday - ok on 10NSD now.

Looks like I need to eek out milk, bread and petrol to get there and I'm not too sure if I'll make it! Might get to 15 or 14 at the very least. Anyway eating up a pizza base tonight which I didn't use yesterday then better have a shufty around the freezer and cupboards to see what else is in for work lunches

Milly-Ann-Molly

Hiya everyone...managed to bring myself up to a lovely big NSD of 14 today. :j:j:j:j:j woohoo...even resisted the urge to buy things i don't need in all the online sales that keep emailing me to tempt me!

psychopathbabble

Caught another 2 nsds yesterday and today as I have NO money! Woohoo! Up to #11 please!