The Solvent September NSD Challenge

kathy40uk

:hello:

Hi all xxxx

I am joining the ranks of those too shattered to do the Friday wiggle today , have just got in and am off to bed in a minute

I feel like the cat in your piccy BDINI but despite having day off tomorrow I have about 1000 voter registrations to deliver...........mind you will be worth it in the end, will cover my car insurance (or a chunk of it )Still ay least I don't need to be at work till Sunday and that's an early shift so hopefully I can get finished then and rest on Monday:D

I don't know of I will manage not to spend as I may need to 'treat' myself to keep me out and keep going..............oooh just had a bright idea.......... a flask!!!! We shall see :think:

Managed number 2 today though :j I really hope the fact I am supposed to be cutting out chocolate and sugar will help too as 'comfort food' often leads to the spendy days :rotfl:

Thanks for the thread again BDINI

(((((((((Hugs))))))) to all, sleep well xx

:hello:

kathy40uk

kerri_gt wrote: »

i did however have an early b'day celebration today - and the reason for no NSD. Myself and one of my best friends took the day off work and went to the zoo for the day. We saw penguins at Penguin Beach, sleepy lions and tigers, and meerkats....simplez! We also filled the day with ice cream and tea/cakes, rounded off with wandering back through Regent's Park in the most glorious sunshine - it was beautiful. Had a really really fab day :beer: .

Sounds fab

kathy40uk

honey wrote: »

Hi spoon,

Aw thank you

Still the same problems for my S.Dad I'm afraid. He's hanging on in there though, should only be 2 months until another op which should really improve things for him. Unfortunately my Dad is now very poorly too and in a care home so it's been a naff old time really! I don't think I've ever mentioned it on here but Dad has early onset alzheimer's and has really gone downhill.

But anyway, I'm trying hard to appreciate what we have now, sorry I've gone on a bit!

How are things with you? Hope all is good and you're having a lovely summer.

honey x

(((((((((((((((hugs)))))))))))))) to you Honey xx

kathy40uk

beanielou wrote: »

my laptop is fixed :j :j :j

<<<<<Waves at Beanie................Welcome back to cyberspace

solventsoon

Hi lovely gang:A

This is going to be a whistle-stop round up of everyone joining and NSDs for Thursday and today - no time to chat or I’ll be here all night!! I’ll catch up with the chat tomorrow, so apologies in advance, I’m not ignoring you:).


Loads more newbies joining up yesterday and today so a very warm welcome to you all, it’s great to have you on board. If you’re not sure about anything please ask, we’re very friendly and there’s usually someone around to help. Feel free to join in with the chat and general nonsense on here, we’re fairly tame (well, most of the time, if you humour us). Good luck with your first NSD challenge - keep posting, that’s the secret to success here.

:hello:lynnette78 - signing you up for 10 & in 3 a row now. Good luck, you can do it!!:T

:hello:samorgo - signing you up for 10 now. Good luck, you can do it!!:T

:hello:debbiedeejay - of course you may join in. Digning you up for 10 now. Good luck, you can do it!!:T

:hello:Squidge123 - signing you up for 10 now. Good luck, you can do it!!:T

:hello:skader - signing you up for 10 now. Good luck, you can do it!!:T

:hello:money_honey - signing you up for 10 now. Good luck, you can do it!!:T

:hello:CountingPennies - it’s never to late to join our merry gang, signing you up for 10 now. Good luck, you can do it!!:T

:hello:FrugalLiving - welcome to your first challenge, signing you up for 20 now. Good luck, you can do it!!:T

:hello:rainbowneeks - hi, it’s never too late to join in, climb aboard!! Signing you up for 15 now. Good luck, you can do it!!:T



And a big welcome back to all the regulars, it’s good to have your company for another month (sorry I’m being a bit formal with some of you and using your full “name” but it’s easier for BDINI to copy and paste like that):

:wave:Pips Mum - signing you up for 10 now. Good luck, you can do it!!:T
Hmm.. I’m pretending I haven’t seen the dreaded “fail” word;)......

:wave:Tixy - signing you up for 12 now. Good luck, you can do it!!:T

:wave:Actress - signing you up for 7 & in 3 a row now. Good luck, you can do it!!:T

:wave:muffin man 7 - signing you up for 10 & in 5 a row now. Good luck, you can do it!!:T
Eeek... that’s a lot of birthdays for one month!!:eek:

:wave:ms_night_ryder - signing you up for 10 now. Good luck, you can do it!!:T

:wave:Learning2Budget - signing you up for 12 & in 4 a row now. Good luck, you can do it!!:T

:wave:chris81418 - signing you up for 19 & in 6 a row now. Good luck, you can do it!!:T
Haven’t you caught that chicken yet??:D

:wave:runnerbean17 - signing you up for 15 & in 5 a row now. Good luck, you can do it!!:T

:wave:jintyb - signing you up for 7 now. Good luck, you can do it!!:T
Woohoo.... to the weight loss, that’s fantastic, well done you!!!:T

:wave:Natty68 - signing you up for 15 now. Good luck, you can do it!!:T

:wave:TizerCat - signing you up for 15 now. Good luck, you can do it!!:T
Thanks for your lovely words but it’s BDINI you should be thanking this month, she’ll be doing all the hard work once she’s back xx

:wave:kathy40uk - signing you up for 15 now. Good luck, you can do it!!:T
Fingers crossed for a better month for you xx:A

:wave:Butti - signing you up for 8 now. Good luck, you can do it!!:T

:wave:Lily_The_Legend - signing you up for 15 now. Good luck, you can do it!!:T
Hope you enjoyed your day at the seaside?:)

:wave:debtfreewannabe321 - of course you can join up again. Signing you up for 10 now. Good luck, you can do it!!:T

:wave:rising from the ashes - signing you up for 15 now. Good luck, you can do it!!:T

:wave:andrinaperry - signing you up for 15 now. Good luck, you can do it!!:T

:wave:positivelypurple - signing you up for 15 now. Good luck, you can do it!!:T
I think you did pretty well last month bearing in mind your holiday.

:wave:suzitiger - signing you up for 15 now. Good luck, you can do it!!:T
Don’t you go falling off that wagon again this month, you’ll hurt yourself..

:wave:pinkfluffybabe - signing you up for 20 now. Good luck, you can do it!!:T

:wave:beadgirl87 - signing you up for 12 now. Good luck, you can do it!!:T
Yep, you’ve got to move quickly to keep up with this thread....


to be continued ....

kathy40uk

Originally Posted by RonniesMummy
hey all
just reporting I have had a spendy day today - but I had to as received a call this morning offering me a job and I start next week!! After not working for the best part of 2 years I am nervous and excited - but if I'm working I have less time to spend !!!!
xx

Congratulations :beer::T:beer:

kathy40uk

solventsoon wrote: »

:wave:kathy40uk - signing you up for 15 now. Good luck, you can do it!!:T
Fingers crossed for a better month for you xx:A

Thank you Spoony xxx :kisses3: I'm hoping so too xx

solventsoon

And a very quick round up of NSDs nabbed so far - well done everyone:j:j:j


Well done everyone for your first NSD, that's a great start to the month for you all:T:T:

:j:jelfen:j:j

:j:jkathy40uk:j:j

:j:jboultdj:j:j

:j:jKeiss 21:j:j

:j:jModestyB:j:j

:j:jbeanielou:j:j

:j:jrising from the ashes:j:j

:j:jmrsdwhite:j:j

:j:jfedupandskint:j:j

:j:jNatty68:j:j

:j:jSillyBlondie:j:j

:j:jdebbiedeejay:j:j

:j:jpinkfluffybabe:j:j

:j:jSpendSpendSpend:j:j

:j:jTizerCat:j:j

:j:jslowlyfading:j:j

:j:jbottleofred:j:j

:j:jMrsNotAPenny:j:j

:j:jSparklysaver:j:j

:j:jIgamogam:j:j

:j:jrunnerbean17:j:j

:j:jifwishes:j:j

:j:jSquidge123:j:j

:j:jlynnette78:j:j

And an even bigger well done everyone for your second NSD, you’re off to a flying start:T:

:j:jModestyB:j:j

:j:jfedupandskint:j:j

:j:jDisenchanted:j:j

:j:jboultdj:j:j

:j:jSillyBlondie:j:j

:j:jkathy40uk:j:j

And I guess while I'm here I should sign up myself as I seem to have forgotten to do that... oops:o:o

BDINI - please could you sign me up for my usual 20, please, and I've nabbed nos 1 and 2 so far. Thanks xx

solventsoon

honey wrote: »

Hi spoon,

Aw thank you

Still the same problems for my S.Dad I'm afraid. He's hanging on in there though, should only be 2 months until another op which should really improve things for him. Unfortunately my Dad is now very poorly too and in a care home so it's been a naff old time really! I don't think I've ever mentioned it on here but Dad has early onset alzheimer's and has really gone downhill.

But anyway, I'm trying hard to appreciate what we have now, sorry I've gone on a bit!

How are things with you? Hope all is good and you're having a lovely summer.

honey x

Hi honey
You are going through it, aren't you, I'm so sorry x

Hopefully the next op will make things much better for your S.Dad, keeping my fingers crossed for you on that. That's awful about your Dad, I'm really sorry to hear that x

No need to apologise at all, sometimes you just need to let it all out, hope it helps a bit xx

I'm fine thanks, keeping busy with everything but all OK, thanks.

Take care
Sending you a big (((hug)))
spoon xx

IF

A big group hug for all

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!