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The Solvent September NSD Challenge

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  • Morning folks! :hello:

    Well I can report NSD no 5 which I got in the bag yesterday! :j

    Have had trouble sleeping the last two nights and feel like I'm coming down with something, so really struggled to get into work today. :(

    Also haven't had a chance to go food shopping, so bought lunch from the sandwich man earlier. Still, it makes a change from peanut butter sandwiches! :o:rotfl:

    (((Hugs))) to anyone who needs one and welcome to all the newbies! :)

    Lily x
  • :) Got #8 + #9 :)

    over the weekend!!! Had to get some food in today but back on the no spends tomorrow ...
    Don't walk behind me; I may not lead. Don't walk in front of me; I may not follow. Just walk beside me and be my friend...


  • BigMummaF
    BigMummaF Posts: 4,281 Forumite
    ((HUGS)) to those with other things on their minds than perhaps not spending today :o
    Happy Holidays to those going & Welcome-back-where's-my-stick-of-rock to the returnees :angry:

    I found No 4 sitting on the doorstep along with the mik on Sat but we'd obviously had a swarm of locusts in over-night as I had to go for even more bread & fruit yesterday :doh:& even worse, no decent whoopsies to be had.

    Pup's been for jabber-roonies today but the money was put by when the appt was booked, ssssoooo hopefully--fingers crossed/touch wood--today just might be my next in conquest.

    Full time Carer for Mum; harassed mother of three;
    loving & loved by two 4-legged babies.

  • :hello:

    Hi all lovely NSD peeps xxx




    I had good day cleaning with Mum today, she is feeling a bit lonely since Dad has been in hospital forth last 11 weeks he is 81,has Parkinson's and is suffering from complications due to Parkinson's.:( It is also my Mum and Dad's 57th wedding anniversary tomorrow and it will be the first one where they have been apart.


    Sorry to hear that DFF xxxx Hope they get to spend some time together today :heart:

    Have had trouble sleeping the last two nights and feel like I'm coming down with something, so really struggled to get into work today. :(
    Hope you feel better soon Lily xxx
    The doctors came round last night and the latest is that they've had a re-think and they are not going to treat with IV anti-biotics as first thought, but heavy duty oral meds. All being well, he will get home later today. While that's good for him to be home and in his own surroundings, I think I'd rather he was in hospital until the infection has been cleared. I am in two minds about it!
    Good news that it can be treated orally :) I should think he will be glad to be home but can see why you are worried, still so many people seem to come out of hospital with other infections hopefully it will be for the best :)

    I am popping in quick before going to work to declare number 6 :j. Not taking any money or cards so can't be tempted :)

    Bit to windy here but we are in the east so are missing the worst of it, hope everyone else doing okay in the windier areas xx

    See you all soon xxx

    :hello:

    DFD Need to August 2027 :(

    NSD March 15/20
    NSD April 17/15
    NSD May 13/15

  • Op is on Wednesday :eek: so panic has been setting in and my mind's all in a pickle!

    Might be a while before I can post (although 2 weeks practically bed rest after so prob not a lot else to do apart from read and trawl the net (and let me catch up on loads of posts as haven't been as up to date as I usually am) :o

    Hope all goes well Rising xxx Will be thinking of you xx

    DFD Need to August 2027 :(

    NSD March 15/20
    NSD April 17/15
    NSD May 13/15

  • Nargleblast
    Nargleblast Posts: 10,763 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Debt-free and Proud!
    Scene : Chateau Nargle, afternoon. The sun is shining but there is a howling gale outside.

    A red leather purse lies forlornly on a shelf. If you listen closely you will hear the sound of a faint, angry buzzing, from thousands of microscopic moths, frantic to get out.

    Igor passes by with a bucket of slops for the animals, pausing only to pat the purse and croon softly "Patience, my beauties, the mistress will let you out tomorrow...."


    Yup! Another NSD today makes a total of 5!!!!!
    One life - your life - live it!
  • I have number 4 & 5 under my belt now thanks to avoiding the shops yesterday and forgetting my purse this morning lol only 5 more to go to reach target, considering how skint we are this month though i'd ideally like more than 10! Well done to everyone else :)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Keiss_21
    Keiss_21 Posts: 2,652 Forumite
    Love it Nargle :rotfl:

    (((((((Hugs))))))) to everyone in need of one today.


    Thought I would be spending today, but have decided to stay at home and get some stff done here instead.
    :A

    So
    NSD no 9 snaffled today....half way to my first target already! :j
    So far I have cleaned the bathroom, sorted out, folded and put away clothes from the airer. Luckily only one thing needing to go on the ironing pile. I attacked the pile yesterday, so it's gradually reducing again, thank goodness! :D I have also done 3 hours of "paid work", and my head is spinning!

    So now off to have a (late) lunch, then my reward of some sewing...making a bag for niece..she's 18 next week. :eek: Where does the time go, I remember when she was born, just like it was yesterday :o

    DH got the new flooring down in the conservatory, rather stripey, but lovely!!

    Oooh-er. that wind is fairly getting up...odd to have it so windy in the "summer"....much noisier with all the trees still in leaf, and a bit scary too. Hope there aren't many trees falling around the country today.

    Have a lovely day everyone, if you can x


    13 projects in 2013: 7/13
    Cross-stitch Club Member no 13
    Weight loss since 24/06/2012: 30lb
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    Scene : Chateau Nargle, afternoon. The sun is shining but there is a howling gale outside.

    A red leather purse lies forlornly on a shelf. If you listen closely you will hear the sound of a faint, angry buzzing, from thousands of microscopic moths, frantic to get out.

    Igor passes by with a bucket of slops for the animals, pausing only to pat the purse and croon softly "Patience, my beauties, the mistress will let you out tomorrow...."


    Yup! Another NSD today makes a total of 5!!!!!

    Nargle your not right....you made me laugh!! :rotfl::rotfl::rotfl::rotfl:
    "If wishes were horses, then beggars would ride"
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    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


    funny_cartoon_picture_6.gif

    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 wink2.gif
    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 sport-smiley-003.gif & have been l-o-n-g time Nsders so don't panic :p
    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 :D
    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 action-smiley-076.gif
    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 :D

    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 :D The only thing to be aware of is Hubert the donkey who is partial to anything remotely edible but is not yet house-trained :o

    And Remember;
    there are no silly questions, so don't be afraid to ask us anything!
    "If wishes were horses, then beggars would ride"
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