The Solvent September NSD Challenge

beanielou

Good to see you Muffin Man :wave:

beanielou

Good to see you to Big Mamma :wave:

BNDI~Hope things get sorted out for you.
try to enjoy your weekend away.
thank you for doing the thread this month.

SpendSpendSpend

Why oh why did I have to say I'd include DDs/SOs this month?! It means today is a spend day, flippin' bills! Oh well, I shouldn't moan that's what a challenge is all about and once all of my DDs/SOs are taken over the next few days I should be able to rack up loads of NSDs (fingers crossed!) I have tried to change all of the dates of my DDs to be the same day but some companies just won't do it.

Good luck everyone & here's to a good new month. :beer:

kathy40uk

:hello:

Hi all lovely NSD gang xx

Please can I sign up with my usual 15 please xx

Hoping September will be better than last month, it seemed that any step forwards I took about four back last month

Have a lot to sort out this month as car insurance is due and I have got an unexpected £85 I need to pay out due to an accident in the dentist's car park last month so really need to rein everything in.

But want to start the month off with number 1 today :jI am on a late shift and so am not taking any money in with me

Hugs to everyone xxxxx

:hello:

kathy40uk

Mind you, some good news, I got my plate back from the dentist this morning after repairs (paid last month) so at least I haven't got to to into work and feel like a toothless hag today :j Maybe if I just smile a lot to show off my teeth I will actually feel a bit happier

just finished another application form too so fingers crossed


:D:D:D:D:D<<<<<practices toothy smile

muffin_man_7

beanielou wrote: »

Good to see you Muffin Man :wave:

HI BEANIE LOU:wave:
Hope September is a new start for you thanks to your kindness i've managed to start Septembers challenge in a good way
all the things i didn't want to jinks have happened all good so now at least it feels like i'm getting there thanks to you and spoon and so many others once i get rid of this dam cold/flu i'm hoping things will keep getting better i couldn't of got this far without this thread i can read and share ideas and tips on latest prices people post and it will remind me to do something see reminds me still need new mop etc i don't have any friends in RL so you see YOU ALL ARE MY FRIENDS AND VERY HELPFUL AND KIND TOO :A
Always there just at the right time yes big mamma that means you your funny posts cheer me up when things not so good :T
right back to topic today will not be a nsd as we need a few things and while kids are out they said something about a croc trail oh well as long as they enjoy it thats allthat matters at least the sun is shining so its nice day out for them and i get to shop in peace be back later to catch up

kersplatt

Hi

Today is officially a spend day because of bills coming out but I won't be out spending anything else on top of that so I'm not sure that I count planned DD's or not.........

Either way I'm holed up in bed after night duty - always wake early afternoon and then go back to sleep later. The advantage of nights is that I'm not about during the day to spend money but it does make me crave junk food. The fact that I 1. have no money this month and 2. am on the NSD and grocery challenge is helping to keep me motivated and on track - not that there is any money to spend anyway, this just makes it look like I'm doing it out of choice rather than necessity!!!

boultdj

And I'm off the starting block's with #1

Butti

Can I have a target of 8 please for this month.

B x

IF

Afternoon all :hello:






Hi NSD'ers Could I ask you please to highlight your number of NSDs in a colour and in bold so that BDINI can see them easily, thank you :A



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!