Have an adventure in August with the NSD challenge

jaffacakegal

Happy Birthday for tomorrow Lily

Well I got NSD 7 on Wednesday. Definite spendy yesterday - I planned so that I knew I would be going to Mr S using last £12 voucher, and Mr T for petrol using 5p off voucher, so also got home insurance renewal sorted, and paid my accountancy student membership whilst I was spending anyway!

I now have £60 in my purse and don't want to spend any more than that before I get paid end of the month! I would freeze my debit card but I've no space in my freezer :rotfl:

Out tonight for a meal but I have put the money aside for going-out food at the start of the month so will just have to stick under what I have left if I want to claim another NSD today!

Glad it's Friday

JCG x

Frodobaggins

NSD#6 for me yesterday and also 2 in a row but was too tired to post last nite. spend day today though.
Well done for your weight losses guys, I lost 2lb this week bringing my total weight loss to 15lb, well chuffed!:j

Lily_The_Legend

jaffacakegal wrote: »

Happy Birthday for tomorrow Lily

Well I got NSD 7 on Wednesday. Definite spendy yesterday - I planned so that I knew I would be going to Mr S using last £12 voucher, and Mr T for petrol using 5p off voucher, so also got home insurance renewal sorted, and paid my accountancy student membership whilst I was spending anyway!

I now have £60 in my purse and don't want to spend any more than that before I get paid end of the month! I would freeze my debit card but I've no space in my freezer :rotfl:

Out tonight for a meal but I have put the money aside for going-out food at the start of the month so will just have to stick under what I have left if I want to claim another NSD today!

Glad it's Friday

JCG x

Thank you! I could just dive into that pile of jaffa cakes in your avatar! Start the diet again on Monday now! :rotfl:

Enjoy your meal tonight! :beer:

ETA: Well done on your weight loss Frodo! :T

Learning2Budget

NSD not acheived today and i'm really, really annoyed. Full tank of petrol and sweets to keep the kids entertained. Then broke down very early in the journey. So now home again, but no food in the house. So building up energy to walk to shop and get summat in for tea. Two weekends on the trot that our plans have been messed up by car breaking down. Not sure what we're gonna do. We need a new car, but can't afford one, but no car means no work. Devastated!x

jintyb

Lily_The_Legend wrote: »

Morning all! :hello:

Another spend day today as I bought some cakes to bring into work as it's my birthday tomorrow! :j

I've been very lucky! Work have bought me a hairdryer and some choccies. And the sandwich man said I could have a free sarnie as it's my birthday! But as I'm off out to lunch with DH I asked if I could have a free drink instead.

Anyone for a doughnut?

Hope everyone is well and has a good day - TFI Friday! :beer:

Lily x

Oooh, lucky you





Have a lovely birthday!

Lily_The_Legend

jintyb wrote: »

Oooh, lucky you





Have a lovely birthday!

Thanks Jinty.

IF

Happy Birthday Lily, for tomorrow xx

Lily_The_Legend

ifwisheswerehorses... wrote: »

Happy Birthday Lily, for tomorrow xx

Thanks If, that's so cute! :j

IF

Belated Happy Birthday to Learning2Budget xx

IF

Another Friday wiggle :beer:






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!