The Solvent September NSD Challenge

iwanttogoonholiday

i forgot to mention i had another nsd day yest - wooo hooo ..so thats 4nsd's

CountingPennies

Another NSD for me yesterday.... :beer: #3

Will be spending all weekend, back to it Monday!

Well done to everyone... This thread moves to fast to congratulate everyone, :rotfl:

bottleofred

Morning everyone,

It will be a spend day for me today, but I hope to have an NSD tomorrow. I hope everyone has a good weekend.

IF

Morning all from me too :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!

Lewby

Just managed to maintain my NSD yesterday as I collected my daughter from the airport and had to put fuel in at 1am today!! A spendy day for me but not too bad ... just a bit of milk, bread and some cream for a pudding I'm making for a friend which she has paid me for already.

OH has taken his Mother to a food festival and will probably buy some foody bits but he's using money that I have already 'written off' in our budget as it's his spending money and I don't count that in my own NSD challenge.

Happy weekend everyone and good luck with those NSD'd!! I'm aiming for another one tomorrow

Lily_The_Legend

Afternoon folks! :hello:

Managed to get NSD no 4 yesterday! :j

Today will be a spend day as we're off to a food and music festival and I'm taking some cash today and DH is taking money tomorrow. I'll also put a pound aside when I get some change as I said yesterday at work I'd put into someone's birthday collection on Monday.

DH got an app of what's happening when at the fest, so we're not going until later as the chefs/bands we like aren't on until late afternoon. That saves us money on food and drinks while we're there as we're having lunch here and taking some drinks with us later. :money:

We've been doing the Mail rewards scheme and have got enough codes for a reward again, so I've ordered the first series of Downton Abbey and have instructed DH to put it away for me for Christmas. I'm determined to not spend much this Christmas!

Lynnette78 - well done on all your freebies! :j

LittleMissHappy - yay for your first NSD! :T

Hope everyone has a fab weekend!

Lily x

SpendSpendSpend

What a long, busy & tiring week. Thank God it's over & I'm off work next week. It's also been a bit of a spendy week but Thurs, Fri & today have been NSDs so I'm upto 6 NSDs now. Still a long way to go to meet my target but I'm not planning on spending much next week & there's still plenty of time to go.

I haven't had chance to keep up with the thread this week so I've no idea what everyone's been up to. I hope everyone's well & had a good week.

Keiss_21

Hya all, NSD no 7 today. :j

Tired today as I stayed up to watch the Scotland rugby match at 2am this morning. It was a bit hairy, but Scotland won eventually!

Thankfully I didn't get up again for the England match at 9:30 as it wasn't that good apparently. Thank goodness the Rugby World Cup only happens every 4 years!! :rotfl:

Right, off to cut out some material, need to do some sewing soon.

Enjoy the rest of the weekend, despite the weather forecast, especially for those "up north"!! :eek::eek::eek:

rainbowneeks

Just popping in to register I have managed 5 NDS so far :j This weekend I will be spending but back to it monday to rack up a few more NSDs! Congratulations to everyone on their NSDs so far!!

pinkfluffybabe

Reporting NSDs No 4, 5, 6 & 7 for today, Tues, Wed and Thurs :j