The Solvent September NSD Challenge

honey

kathy40uk wrote: »

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

Thank you Kathy xxx

honey

solventsoon wrote: »

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

Thank you spoon.

Glad all is well with you, hope you get chance to put your feet up once in a while too - oh for more hours in the day eh?

beanielou

Oooh Jinty Skye is fab.
Not long to go now :j

honey

I'm off the starting blocks, No. 1 for me on Sunday.

The maize maze was so much fun on Sat, and I'd won a family ticket to get in so we only had to pay for 1 kiddie.

Last minute spend last night for a pizza :eek: very naughty but very nice. DS has gone back to school today so I have just the DDs at home today, I have to pick up DD1's jumpers from the school this afternoon but they're already paid for so it should be a NSD.

Off to try and catch up with the thread, have a great day all,

honey x

chris81418

Good morning everyone! :wave:

Wow! I have 7 pages of posts to catch up with since I last posted on Saturday! :eek:

Anyway, in the mean time, I'm reporting that after an intially promising start to the month, I went out on a couple of evenings to catch up with friends - so Sat & Sun were spend days for me; however, it was great to catch up with them!

I'm back into NSD ways now though, with NSD number 3 caught yesterday :j ; however, having said that, I need a lil top up food shop at some point!

Have a good week everyone - I'm off to catch up the last 7 pages of this thread!

honey

BDINI - that's awful, I can't believe there is no help from the council either!

jintyb - sorry to hear your OH is having such a tough time, so hard for you too. Sounds like your holiday is coming at just the right time.

CountingPennies - you made me giggle about the chinese :rotfl: congratulations on your 1st ever NSD.

honey x

mrsdwhite

Already NOT a NSD for me today :mad:
Bought DH's b-day present online, well part of it anyway, it's not even his bday until the middle of next month....don't know what's wrong with me!

Weather terrible today...hope nobody blows away! :shocked:

jaffacakegal

BDINI - that is rubbish, I used to work somewhere that rents out properties - some people treat them with so much disrespect, they don't care that someone will have to clean up after them :mad:

Was NSD 3 yesterday, think it will be a spendy today - mr T

JCG x

IF

Jinty big hugs to you and your OH

IF

Afternoony 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!