The Solvent September NSD Challenge

Keiss_21

Back again, had to find out what was up with BDINI's house....that's so terrible for you lass!! Surely the insurance you got when renting out the house should cover you for exactly this situation. It is rediculous that the council are actually protecting your (ex) tenant...after all, she has done the damage!!! :mad::mad::mad::mad::mad:

I have pretty well finished decorating here (one more day of painting to go)...so if you need some help in sorting out your place let me know. Where is your rented house? We could organise our own DIY SOS a la Mike's Mob, they worked miracles you know!

So, loads of ((((((hugs)))))) to you BDINI, we are all here for you if you need us.

Oh lots of ((((((hugs)))))) to everyone else who needs them too

Better calm down before cutting DS2's hair, or he may end up with a wonky barnet!!!

beanielou

NSD no 5 today.
Truely miserable day here weather wise.

kerri_gt

hi all, just a flying visit from me as I'm away on business atm and not had time to catch up. I can declare NSD #1 for sun - was scuppered yesterday as I have a throat infection and had to purchase some drugs (legal ones of course!) was tempted not to count them but my conciense got the better of me :A.

Feeling a little lost/lonely today being away on my B'Day - but i'm just wallowing. If anyone fancies swinging over to Canada tonight though you're most welcome

Will hopefully catch up on posts later x

beanielou

Oh sorry that you are away for your birthday kerri.
Hope you can have a nice day anyway kerri.
Happy happy birthday to you xx

slowlyfading

Happy Birthday Kerri - sorry you are feeling a bit out of sorts.

Number 3 for me today

Tixy

Managed a NSD yesterday and today. So I'm up to 5 please BDINI (and 4 in a row)

Happy Birthday Kerri

BDINI - no wondered your tenant went awol. Thats the sort of awful thing you see on police shows on TV, not what you expect to happen in real life. And carp that the insurance won't pay out either.

iwanttogoonholiday

i didnt get one today but hoping for one 2mor - is it me or is it addictive lol

LittleMissHappy_2

Happy birthday kerri

if - I love todays picture / caption

IF

Happy Birthday Kerri Love If..x

kerri_gt wrote: »

Feeling a little lost/lonely today being away on my B'Day - but i'm just wallowing. If anyone fancies swinging over to Canada tonight though you're most welcome

Will hopefully catch up on posts later x

Big hugs from us all and would love to come to Canada

IF

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


BDINI got my 5th NSD today thank you xx :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!