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The jubilant July NSD challenge
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closest I've come is some o.o.d grated bakery cheese last year
I paid under 70p for a 2kg bag - and can't remember whether I ended up with 3 or 4 bags, but I still have some of it in my freezers now 'cos I rebagged it into 100g 'portions' before freezing
it's a mature cheddar I think (deffo a mature something), and is brilliant for using in cooking. Not as good in a butty, but having ready grated mature cheese for making sauces etc is fantastic
This was Seri*usly Str*ng - I do like a nice mature cheddarI know what you mean about the ready grated ready for sauces, not quite the same but I bought some Mr A salmon trimmings (basics) - they really were trimmings, rubbish in a sarnie really, but great in pasta etc. Froze several small bags of it.
Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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Evening NSD'ers :j:j:j
Well said BDINI, Spoon hope you are listening xx :A
Beanie, well done on losing the 2lb xx
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 :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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butdoineedit? wrote: »Sorry just popped back as i forgot to give Spoony a lecture about taking care of herself, not working too hard, & not worrying about us bunch of reprobates, who can chatter away amongst ourselves whenever you need a break!! :rotfl:
Yes, mum:D:D
Seriously, thanks BDINI, much appreciated. It's been a busy old week I should be back to normal again next week (well, as normal as I'll ever be:o)
xxifwisheswerehorses... wrote: »Evening NSD'ers :j:j:j
Well said BDINI, Spoon hope you are listening xx :A
I am, honest:D
Thanks If xxThe time you enjoy wasting is not wasted time
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Morning campers
Congratulations to everyone on their NSD's, sorry I have been missing in action. Had a pretty rough few days what with one thing and another, but the good news is that I am resurfacing againAlso have had to accept a couple of home truths about someone who I thought was a friend and has taken me for a mug.
Still we live and learn don't we? And I still don't learn..lol
The good news is that I have managed to rack up an overall total of 12 NSD's :T I didn't go out, except for a few bits, while I was missing, so that was a good thing..lol
Just off to update the siggie now
Huggles to everyone xxxMortgage Free as of 20.9.17Declutter challenge 2023, 2024 🏅 🏅⭐️⭐️
Declutter Challenge 2025
DH declutter challenge award 🏅⭐️0 -
solventsoon wrote: »Yes, mum:D:D
Seriously, thanks BDINI, much appreciated. It's been a busy old week I should be back to normal again next week (well, as normal as I'll ever be)
xx
I am, honest:D
Thanks If xxHope this wasnt you last night after staring at the screen all day!;)
you will always be rich enough to be generous.0 -
#12 for me please!
Doubtful of I'll make target this month, but I'm not going to beat myself up over it as it's been a wee stinker of a month between teeth and puss!
Off for my first weigh-in this morning - I am hopeful!
After that I am off into town to do a Mystery Shop, and then I am going to have a mooch in the shops and maybe go to see an art exhibition that's on ATM. Mum is dog-sitting, so I dont have to worry about getting back for him. I just feel I need a little "ME" time today!
Well done Beanie on your 2lbs off! :T
you will always be rich enough to be generous.0 -
Morning everyone,
Right, today is the day. I'm definitely going to get a NSD today. I'm absolutely determined as there are only 4 days left of this month. I'll be back later to check in.
Have a wonderful day!CC1 £5999 Total Debt March 2021 £5999
NSDs March 1/200 -
Spoon - I agree with BDINI and if
Beanie - well done on losing 2lbs
Natty - hope everything is ok xxx
Well, I am declaring today as an NSD early as I really need it! I put aside money that I will need to spend tomorrow (it's a friends birthday and I am in charge of the gift buying) so if I can manage to stick to just that then I will be able to count tomorrow too
Saturday won't be as I am going to London, baby, yeah......:D:p:cool:
So today is NSD 9 please Spoon xBe the change you want to see in the world - Gandhi
OU - DD100 (P), DSE141 (D :j), DSE212 (P
), ED209 (02/12), DXR222 (07/12) SD226 (02/13)
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Jinty~Have a good day with me time :j
Hope that you have a wee loss today.
What plan are you doing?I 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 -
Have met my next target, that's NSD no 20 for me please...wowooo
Let's see if I can hit any more** 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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