The jubilant July NSD challenge

bottleofred

Afternoon folks,

A spend day for me today as I was working this morning and then bought another christmas present at a speciality craft fair. I am hoping for one more NSD tomorrow though!

Nargleblast

laura2481 wrote: »

Oh dear- epic fail for me this month with only 4 or my target 8 NSDs achieved... unless I somehow manage one tomorrow, but unlikely.

Oi, you! We do not use the f word on here. If Big Mumma hears you she will have her washboard out and you will have your mouth washed out with soap and water! We do not f**l at any time, we might not quite hit our targets but we still celebrate every NSD we get!

(I may be in smug git mode, seeing as I now have 13 NSDs out of a target of 12 but I too have had months where it has been a struggle to stop spending.)

Set yourself a reasonable target for August and go for it!

Nargleblast

bottleofred wrote: »

Afternoon folks,

A spend day for me today as I was working this morning and then bought another christmas present at a speciality craft fair. I am hoping for one more NSD tomorrow though!

(Sigh!) Another one asking to be dunked in a vat of soapy water.....using the C word when we have only just started the school holidays!!!

toottifrootti

beanie and spoon I am sending huge squishy (((hugs))) for your bumps and bruises - they both sound very painful *shudders*

I havent been able to get on much this last week but am pleased to say I reached my target on thursday!

so I am declaring 18/18 for july!!!

off to find august thread now! I am back into this and determined to cut back and save more.
toots xx

muffin_man_7

REPORTING IN WITH ANOTHER 6 NSD SO TOTAL NOW STANDS AT 18
with another day left i might make it 19 we shall see

Although i've not been posting i have been trying to keep up with everyone been a really busy july had to get house ready for the house inspection and my son 23yrs who was kind enoughto do the garden accidentally turned the freeezer off but we didn't notice for a few days so had to clean a stinky freezer it wasn't too bad just stunk of cauliflower lost about 30 quid not sure whether to leave it off for now or to start using it again if i do use it plug will be marked FREEZER bicarb still in there can't get smell out

house failed but due to me being on anti deppressants i've been given 4 weeks to do each room one at a time 3rooms passed out of 7 so nearly half way there and all thanks to tich she has been a big help and she managed 4 out of 5 days in school on the last week so go a small reward her fav make up

cw18

Went out and bought the grocery bits I needed this afternoon, so not an NSD for me.

Really hoping I've got anything I needed, but have a funny feeling I've forgotten something important so am putting a fiver to one side for tomorrow just in case.... only condition being it can only be spent I should have seen today that I needed before Monday (Monday being a D/Debit day means it's a day I'm "allowed" to do a general grocery shop).

positivelypurple

Evening all,

What a spendy day for me but I was expecting it to be that way. It turned out to be a gorgeous day after all. There's still one more day left in July - how many of us are going for it?

See you tomorrow :cool:

beanielou

No 22 today.

IF

Evening NSD'ers :hello:

Got my 16th NSD today, thank you Spoony :A

IF

Hope this will help any Newcomers joining us for August :dance:



Written by solventsoon aka Spoon our inspirational mentor:-

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 :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!