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Jolly June's NSD Challenge!
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10 NSD's pour moi? only 2 or 3 days to go.#TY[/B] Would be Qaulity MSE Challenge Queen.
Reading whatever books I want to the rescue!:money::beer[/B
WannabeBarrister, WannabeWife, Wannabe Campaign Girl Wannabe MSE Girl #wannnabeALLmyFamilygirl
#notbackyetIamfightingfortherighttobeMSEandFREE0 -
Hello everyone! :wave:
The clock has struck midnight - so that means I clocked up another NSD yesterday, also meaning I've reached my target of 19 NSDs - yay! :jsolventsoon wrote: »Hi
If anyone's around, could you please press the spam button on the post above mine - nellytraders is the poster.
Many thanks
spoon x
All done!
Good night everyone! Sleep tight and don't let the bed bugs bite!: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 -
I started with odd strands by my late 20's/early 30's, and it was properly noticeable by my mid 30's - so after 10 years I'm used to it
can't even walk past a Lush store without struggling to breath - hate in when they're actually in an enclosed shopping centre, as the smell seems to spread a lot furthernot too sure about red highlights either - have normally gone bronze/copper.
My DD gets the Schw@rkopf ones from HB, but I picked up a L'ore@l one from B'n'M (under £4) that comes with a highlighter brush. Much prefer my hair when it's done using foils and two colours to just one flat colour, so thought this could be a compromise.... just hope I get the hang of the highlights without dropping any clangers
As for Lush...I am with you on the strong scent...I start wheezing when I am within 20 metres of a shop!! :eek:
Spendy day today, but back onto the wagon Tuesday and Wednesday so I can reach my new target of 20 NSDs.
Have a good week folks, not sure when I will be on next, trying to cut back my time on the 'puter, so I can get lots of other things done.
13 projects in 2013: 7/13
Cross-stitch Club Member no 13
Weight loss since 24/06/2012: 30lb
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Morning all!
Made it #15 yesterday - target met!:j
Have a lovely day everyone!:)
you will always be rich enough to be generous.0 -
Well done Jinty :jI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Morning all :hello:
SF up to 16 NSD's thank you :Aslowlyfading 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 :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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Wow
I'm also on a challenge to not use my cards this month so it could be quite interesting!
Well done to all of you!
urg x x
How about putting them in an old ice cream tub or something similar and freezing them in water a-la Confessions of a Shopaholic style? Not sure how the chip might fare (although I can confirm that they go through the washing machine with no problem :rotfl:)...but it would certainly stop you spendingFeb 2015 NSD Challenge 8/12JAN NSD 11/16
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Hi Op
2 more NSD's please. One for Sunday and another for today, as i have no need to spend.
Race to the finish as always for me this month, but with 2 days and 2 more to get, i should reach target this month.
BW
Trin"Not everything that COUNTS can be counted; and not everything that can be counted COUNTS"
GC - May £39.47/£55. June £47.20/£50. July £38.44/£50
NSD - May 16/17. June 16/17. July 14/17
No new toiletries til stash used up challenge - start date 01/2010 - still going!
£2 Savers Club member No 93 - getting ready for Christmas 2011:)0 -
Well I looked through my book and racked my brain and finally decided that it seems as if Friday was NSD 14!
Hoping to hit target today, can't see any reason not to but you never know what might happen so won't declare yet
JCG x0 -
NSD no 15 for me please.....one left to get....can I do it?** Total debt: £6950.82 ± May NSDs 1/10 **** Fat Bum Shrinking: -7/56lbs **
**SPC 2012 #1498 -£152 and 1499 ***
I do it all because I'm scared.
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