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The jubilant July NSD challenge
Comments
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Hiya
sorry slightly late in starting but please put me in for
10 NSD's again and 3 in a row thank you
And have done day 1 today x:jBe Amazing0 -
Hi Spoon,
Can I go for 3 NSDS in a row and a total of
7 NSDS for July?
Thanks :jHSBC C/C:[STRIKE] £680[/STRIKE] £0 Smile C/C:[STRIKE]£1670[/STRIKE] £0 CDL:[STRIKE]£2069.71[/STRIKE] £490.69 HSBC OD:[STRIKE]£ 558.27[/STRIKE] £25 Smile OD:£495.00 Dad Loan:£1525 Boyfriend Loan:[STRIKE]£113.00[/STRIKE] £0
Grand Total:[STRIKE]£7110.98[/STRIKE] £2535.69
NSD Challenge: March 11 3/7 April 11 7/7 May 11 4/7 June 11 3/7 July 11 1/7 Aug 11 6/7
Sept 11 8/7 Oct 11 0/70 -
Hi everyone!
I think I’ll go for 10 again this month, today was NSD 1
Good luck for July, hope you all enjoyed the weekend :j0 -
Hello all :hello:
Spoony got my 2nd NSD today, thank you x :Asolventsoon 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 :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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Clocking in with NSD #2 pleaseDo not meddle in the affairs of Dragons, for thou art crunchy and good with catsup
NSD 15/20, OS WL 21-6 (4)C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
Every Penny's a Prisoner
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Hello Spoon, can I be put down for 15 this month, and I'm doing well so far, not had to go shopping yet so today make's #3
And I see you'v found a festival for my birthday,looking forward to trying oyster's...........as long as Igor's not cooking 'em:eek:.£71.93/ £180.000 -
Blimy Cheryl - I'm pooped just reading your post.Sounds like things are going well wit your chap which is great :beer:
DD phoned yesterday to say her chap was calling off the wedding, but they've been very on/off over the last few months so she didn't plan to start cancelling until the end of the week. Telling my chap this got me a reprimand for not cancelling our evening to go over to hers - but I knew she wouldn't have wanted me there and would phone if she needed to chat (which she only does in an emergency if she knows I've got company or am out anywhere). When he got home tonight (from an all day event he'd been at which had left me totally shattered) I told him she'd confirmed that (but also said she appreciated him having told me that), but that she's also decided that if they do get back together she wants to go right back to the dating stage and build things back up slowly
next thing I knew I was getting a text from him to say he was talking to her on FB (not the first time as he was asking after her chap when he was in hospital with a collapsed lung earlier this week, and she initiated the friends link up) at the same time as she phoned my land-line to tell me the same thing :rotfl: after a few mins she said he'd suggested it was time he got to meet her and her girls, so he's giving up extra hours at work on Sunday so we can go to her place for the late afternoon and tea (after I've run a 5km race). but he didn't realise she and I were talking at first, so she was 'casually' suggesting meals she could make to him - which included all the food items I know he doesn't likeonce he realised it was an odd 3-way conversation (he was still texting me at the same time) he played on it, and she was having a really good laugh at some of his comments
she even updated her FB status to say she was having fun winding up her mother's new BF, which was lovely to see......
so he's given up an evening of texting me (for a short while before the very early night that he needed) to spend the best part of an hour cheering her up after she's had a rough weekend, which speaks volumes to me about his character :jCheryl0 -
Please put me down for 1 NSD today please Spoonie! spent all day at the allotment for free!:j
TCDebt at LBM 2010 £40,640.17. Debt Free 2017 Debt 2023 £24k I didn't learn! NEW Goal Debt and Mortgage Free Jan 2025.
Debt Free Diaries - TizerCat learns to stay debt free
November NSD Challenge 12/16
6 months emergency fund challenge £500/£60000 -
Ooooh loving the prizes Spoon!!
target met =target no 2 met =
target no 3 met =target no 4 met =
target exceeded ="If wishes were horses, then beggars would ride"
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Hello all,
just popping in to declare my 3rd NSD of the month already so well on my way to target & my first 3 in a row achieved too.
Might get another one tomorrow but dad popping round & I did offer to buy him a pub supper ...
Hope all your Mondays are Happy
xx0
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