Have an adventure in August with the NSD challenge

jintyb

Especially for Beanie - have a wonderful birthday, I'll give you a wave from this side of the Forth!

jintyb

Hi everyone! Hope you're all in good fettle this morning!
Today should be a NSD as I have no plans to spend anything and I really want to hit my target.
I am going to get the cardmaking gear out as I am doing stuff for the Autumn Fair at our church. That shoud keep me out of mischief this morrning!

Have a lovely day everyone!:)

kjp

Hello all!

Managed number 7 out of 10 yesterday - this is a lot harder than I anticipated, but the challenge is fantastic! Hoping to manage three more - will see how I get on...!!

Well done to everyone!

squeeeek

Spoon- i was thinking that as i wrote it :rotfl:.... glad someone else shares my humor . Puss isn't sulking to much (might have something to do with the salmon i had poached for him coming home!!!) but his sister, the feather dusted and my OHs hair :shocked: are very relieved!

Learning2Budget

Declaring today a NSD, i will be hitting the shops but with some vouchers that i got for my birthday! Bonus. NSD 11 one away from target!xx

AlyBaly

What a nightmare of a month but having spent most of it at hospital with sick relatives I am sitting at 11 . My wee dog is very ill so not sure how many more I will get this month with vet bill.

Lily_The_Legend

solventsoon wrote: »

Lily - even if you don’t make your target, 15 NSDs is not to be sniffed at and you have lots of time left to improve on that. Now why would your mum not want to eat balsamic caterpillar I wonder - it’s just the sort of thing Igor would serve up at one of our outings!:eek:

Yes I might sneak a couple more in before Wednesday, that's true!

That's probably a delicacy in some countries! :eek::rotfl:

_party_ Happy birthday for this weekend Beanielou in case I'm not on here that day! _party_

Well it's Friday :dance: it's payday :money: and I have next week off! :j

Can't get too excited about it though as I have PMT and a bad stomach this morning. :mad::(

Looking forward to doing sweet FA tomorrow, nothing planned except DH going to watch footie in the afternoon so might watch one of my costume dramas

Have a good Friday everyone!

Lily x

solventsoon

Good morning lovely gang:A
Well, it's Friday again and you know what that means... time for a wiggle!!:D:D:D

Come on, join in, you know you want to really and it'll be good practice for the Carnival at the weekend:D

Back later to check you're all behaving;)

spoon xx

solventsoon

squeeeek wrote: »

Spoon- i was thinking that as i wrote it :rotfl:.... glad someone else shares my humor . Puss isn't sulking to much (might have something to do with the salmon i had poached for him coming home!!!) but his sister, the feather dusted and my OHs hair :shocked: are very relieved!

Phew, that's a relief, squeeeek, I'm glad you're not offended x
I think the salmon probably did make him feel a bit less miffed. I'm sure the rest of your house (including the duster) will feel much more comfortable now!!:D

AlyBaly wrote: »

What a nightmare of a month but having spent most of it at hospital with sick relatives I am sitting at 11 . My wee dog is very ill so not sure how many more I will get this month with vet bill.

Oh no, Aly, I'm really sorry to hear about your awful month:(. Hope September is better for you and really hope your dog gets better soon
(((hugs)))
spoon xx

Lily_The_Legend wrote: »

Can't get too excited about it though as I have PMT and a bad stomach this morning. :mad::(
Lily x

Sorry you're not feeling brilliant, Lily, hopefully you'll perk up over the weekend and manage to enjoy your week of.
(((hugs)))
spoon xx

IF

Afternoon all :hello:

solventsoon wrote: »

Welcome back, If, we missed you and your lovely pictures, this one's a classic!!:T

Hope you had a lovely holiday x

Thanks Spoon, it was lovely :A





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!