The Solvent September NSD Challenge

MrsNotAPenny

NSD 2 for me today! Feels good! Wonder if I can manage three in a row??

Hope everyone is having a nice Saturday night

kathy40uk

BigMummaF wrote: »

I shall require you to form an orderly queue to congratulate myself in obtaining my first (1) nsd of the month. Failure to comply will result in interlopers being evicted from the Tardis by their purse strings. Thankyou.

Joins queue

kathy40uk

itsapuzzle wrote: »

Afternoon all, well I was going to declare NSD number 1 today as I havent spent anything and am off to work soon, so wont be spending anything. However OH has lost the best part of 100 quid so I'm not sure whether to declare or not - Gutted!

Ho Hum

Puzzle

Ouch :eek:

kathy40uk

:hello:

Hi all lovely NSD gang xx

Lots of NSDs happening Well done everyone :T

I didn't get an NSD but I was expecting not to but what a day!!! I really shouldn't make plans LOL.

Started off well with all my envelopes for today sorted. Went to get petrol, didn't take cash deliberately and was going to use the new Flybe card they sent me (I had paid off the 0% balance xfer and they had sent me a new one with a letter saying they had replaced it as I hadn't used it much with 3 month 0% on purchases made up to end of Oct which I will use for insurance). Trouble is the pin didn't work :eek: so back home for cash . Rang them while I was at home and they are sending me a new pin.

Started again............nice and sunny, crocs on and all going well.

Until I got in the car and it wouldn't start :eek: Luckily a friend came out and jump started me so I took it for a run then got back to do another three streets. Did all of them, got back in and oh noooooooo wouldn't start again. Knew the mate who had helped before would be out as he said he was going out when he started me the last time and couldn't get hold of anyone else:eek: was parked next to a pub and was thirsty by then too so nipped in and got a half of lime and soda (spending 40p..........had change from the petrol) and as luck would have it on my way out a taxi driver I know was dropping someone off chased him quick and asked if he had any jump leads and he had :j, he was great too filled up my water and looked at it. he thinks I've got a dodgy earth spark plug (or something) so says I need to get it looked at but when he had finished he gave me his jump leads saying he had lots :Abless him:)

Didn't dare go to finish the other streets I had down to do today in case it messed up again and I suppose I will have to gear myself up for walking into work just in case......:(

At least I started with the further away streets this time So if I take the next load I can do them on the way home tomorrow and haven't got tooo many to worry about that are a distance.

Working with the PD tomorrow so am going to have a bath and get to bed soon

See you all tomorrow xx

:hello:

beanielou

Congratulations Big Mamma F :j

Hope the money reappears puzzle.

beanielou

The joys of cars Kathy~ not.
Hope you can get it sorted out.

IF

Evening all :hello:

BDINI and Spoon, got my 2nd NSD today, thank you x





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!

runnerbean17

:j # 2 nsd :j and 2 in a row - thought I really needed to go to the supermarket but managed to stretch it another day!!! Stretch it any more it may just snap :rotfl:

lynnette78

Woohoo! another successful day:beer: that makes 2 in a row. just tomorrow to get through and i have completed my 3 in a row challenge.

and just heard that the lotto bonus ball is number 31 so my hubby has won around £150 in the works sweepstake ( it has rolled over for a few weeks) so waiting for the results to come online to be certain:j

TwelveStopsThenHome

I am pleased that I have done the first NSD!! Just four more, though I will extend this