Jolly June's NSD Challenge!

solventsoon

Penny_pauper wrote: »

Hi All
Can I join?
Completely new to this and even though it is half way through June can I put myself down for 5 NSD?
(kind of feel like I'm shouting at someone with that )
Going to count everything, direct debits as spends so maybe I'm starting with a target that is a bit high.
Cheers
PP

:hello:Welcome to the gang/asylum, Penny pauper, pull up a chair and make yourself at home.:D

Good luck with your target this month, keep posting, we'll give you loads of encouragement.

spoon xx

solventsoon

Hi lovely gang:A

Well I know you lovely people can chat, but I think you've excelled yourselves over the past couple of days, it's taken me nearly an hour to catch up:D:D:D

BMF - I sooo sympathise with the offspring insisting on eating.. OH is the same, he keeps ruining my plans:D:rotfl:
I think Nargle is right about Cheryl, she's in training for the marathon:D

mrso2b - I sympathise about the bathroom. It'll be lovely when done but it's hell while it's going on. I had nearly a year of the same, no runing water, loo balanced on 2 planks and a bucket required.. not an experience I would care to repeat any time soon:eek:

Red - now why would you want to turn down an offer on a case of wine?:D

jinty - wooohooooo to all the new furniture, sounds fab:T:T:T:T:T:T Are you sure you still want us to come around for your birthday now?

BDINI - your posts are making me feel exhausted. 13.5 hour working days, dragging compost back in a suitcase, you must be sooo fit:D

beanie - congrats to DS on his driving theory test, that's brilliant:T:T:T:T

Kathy - really pleased that Lara is OK, that's great to hear. Well done for doing all the cleaning today.. I don't suppose you have any spare time:whistle: .
You must have been sad at finding Orphan's tennis balls, but Lara will enjoy playing with them and that will help keep your memories of him alive. x

mm7 - well done for fixing the internet, that must have boosted your confidence:T:T:T:T

Keiss - wow.. what a turnaround for you. I'm really pleased that you've decided to branch out on your own. I'm sure you'll find something you will enjoy doing, there are lots of possibilities once you start looking properly. Good luck, keeping my fingers crossed for you. x

sf - well done for no 6, you're motoring along nicely now:j:j:j:j:j:j


I've managed to get to no 9 now, very pleased with that and even more pleased that I've managed to resist the internet shopping itch:D:D

'night everyone
spoon x

bottleofred

Red - now why would you want to turn down an offer on a case of wine?:D

Hi Solvent,

You are absolutely right, my weakness for Red wine at a good price wins again:o

I hope you are well.

Red:)

thrifty_fifty

Morning everyone.

In to report number 4 today-unfortunately this week has been a bit spendy . I must confess I have worshipped at the temple of Chanel and bought a new nailvarnish for the first time in about 2 years. Feeling incredibly guilty, but I'm trying to get back to spending, but not losing control, to try and adapt to my debt free self come september. 4 more pay days to go.

chris81418

Good morning everyone!

Popping in to report that Friday was NSD number 7 for me - woo hoo! Unfortunately, yesterday was a spend day and today I will probably do a food shop, but I hope to jump back on the wagon on Monday and grab a few NSDs during the week.

Have a good rest of the weekend everyone, and good luck catching more NSDs!

donna_dynamo

HI all after another couple of spendy days i am proud to say today is NSD #5. Need to rein in the spending and the eating the last few weekends of indulgence have gone to my head and more importantly my purse:eek: and waistline:eek:. Trying for 4NSDs in a row this week.

hotspur_pam

Hellooo :wave:
claiming my 5th NSD for today. I won't be going out, so this one is safely in the bag .
Have a lovely Sunday :beer:.

Keiss_21

NSD no 8 today :j

Thanks again for all your kind wishesre future job ideas...been having a bit of a think, but not been brave enough to start writing things down yet. Might make a start later on! :eek:

Soggy today, so going to work my way throught the last part of my IT course..should be able to do the assessment later on this week...I hope! That's another chapter closing...:( Started as a student before being offered a job there, so had a long-time conection (10 years!) with the centre.

Have a good day everyone...I think it's rather soggy everywhere today!

fedupandskint

Number 5 NSD today 1/3 of the way there now and aiming to get a few more in next week by not taking any money into work again which also helps. Might even get to 9 by Thursday, in fact I think I'll aim for this target for next week.

IF

Afternoon all :hello:

SF got my 7th NSD today, thank you :A

Or as Len Goodman would say.......Seveeeeeeeeeeeeeeen!!





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!