The jubilant July NSD challenge

wouldbeqaulitymoneysaver

Stapler wrote: »

No NSD for me today

The Sandwich shop got my money today

Certain Tesco Sandwiches are VERY tempting. Prawn Laska, Salt Beef, What's the point of buying sandwiches you make yourself? (Pret a Mangers are tasty too London!!) M&S is one big Temptation!
One little vice i have is when I go shopping since I lugged home a heavy trolley (John Lewis £30 any less is waste of time and money space) I don't want to cook so a 'picnic' a shopping vice consisting of sandwich (bargain ideally) drink (now a pint of milk or 2 pints instead of Siccilian lemon lemonade (why bother with that non lemon stuff?) maybe crisps or nuts and or other items. All totally naughty but essential but inviting the MSE Demotivator to stride in in a sensitive manner.

kerri_gt

solventsoon wrote: »

:j:j:jKerri - for no 4, you’re doing brilliantly, keep it up!
Ahh.. I see the kippers are working their magic spell this month then, I shall have to keep waving them in your direction...
Hmmm... to your friend and the clubcard points, people can be very strange about things like that

Kippers are indeed working - though won't be a NSD today - but a planned spend and I'm hoping to rival Cheryl again (oh...and shhhh...but it involves toilet rolls!)

Is it silly I am still feeling somewhat hurt by my friends comments today? This might sound lame but it's not what she said, but the way she said it. We all mess about sometimes and call each other silly things but this didn't feel like messing around. What's also annoying me is that I have taken her cinema card in the past (ok not often as I don't go to the pics very frequently) in order to collect points for her on that. Which to me is somewhat double standards.

I don't know whether I'm making a mountain out of a molehill and should just leave it to blow over, or say something...?

psychopathbabble

nsd #3 for me yesterday please, hoping to get another one today!

lotti379

I did it!! Only spend on parking (£3 for the whole day, at the station, so acceptable I feel), so that makes it NSD 3/7!

Not having an NSD today as just paid the scary solicitor's bill. :eek: :eek: :eek:

Recovering with a cup of tea...

psychopathbabble

kerri_gt wrote: »

Did wander into town at lunchtime with my friend today, and into Mr T but I didn't buy anything. Did feel a bit hurt as she wouldn't let me have her Clubcard points even though she didn't use hers (I'm not even sure she has one even though she said she did) Words along the lines of 'noooo, stoppit you !!!!!' Still feeling somewhat hurt about that now

Don't be hurt by it, but I'd get your own cinema loyalty thingy to use as you don't go often but it will add up

One of my closer friends use to laugh about me being careful with money, until one day I snapped and had a go at her, she used to be in the same position so knows how hard it is and I said I'd appreciate her not taking the p**s anymore as I'm sick of it, and voila she hasn't said anything since!

beanielou

psychopathbabble wrote: »

Don't be hurt by it, but I'd get your own cinema loyalty thingy to use as you don't go often but it will add up

One of my closer friends use to laugh about me being careful with money, until one day I snapped and had a go at her, she used to be in the same position so knows how hard it is and I said I'd appreciate her not taking the p**s anymore as I'm sick of it, and voila she hasn't said anything since!

Snap.How quickly some people forget
I see less of this friend now because I find it hard to deal with.
It's my achillies heel I guess.

psychopathbabble

beanielou wrote: »

Snap.How quickly some people forget
I see less of this friend now because I find it hard to deal with.
It's my achillies heel I guess.

Luckily my friend hasn't said anything since so it's not too bad but I guess sometimes you just have to move on even though it's hard I'm still trying to train MrS to save the pennies as he doesn't think saving a pound here and there makes much difference!

Stapler_2

I am determined to avoid the Sandwich shop today.

I know I could make them at home for a lot less but I tried that last night and failed miserably(sp).

And also walking past it in the morning makes me crave a warm sausage and bacon baguette. Uh Oh, I thinking today might turn into a spend day.

beanielou

Spoony~Can I increase my in a row to seven in a row?
Thank you

IF

Afternoon all :hello:

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 :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!