The Solvent September NSD Challenge

Frodobaggins

NSD#5 today. Trying for another tomorrow, we shall see.

Well done Jinty on your weight loss this week.:T It is a constant battle for me but I lost 2lb this week and was really pleases. All these mornings of getting up at 5AM to go to boot camp are begining to pay off finally!:j

IF

Good evening, my no spendy mateys :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!

debbiedeejay

Good Morning All!

NSD No.5

for me please BDINI - managed to squeeze that one in last night. Wasn't sure as I went to a new Zumba class near me - first lesson free!Hurrah!

Plan is to take all the subs for DD2 classes and now my Zumba one on of my normal spendy days and then it's accounted for the rest of the week - if I didn't do that I would never acheive any NSD's at all!

The best thing was I tried Zumba a few weeks back after a mate asked me to go along - it had been "one of those" days at work and I was seriously thinking that a bottle of wine sounded better - but no - I used the money for Zumba and I can honestly say it was the best thing ever. What a laugh! feel fitter and no hangover either!:T

Got to go - school and college run is needed by DD's

TTFN

mysk_girl

Morning - have just realised that I don't count spends out of the joint account, which food is, so actually - yesterday was NSD 1for me! Am very pleased to have done that, and checking my bank balance I am staggered to see how much 1 weeks restraint has made... I normally draw out £40 on a Saturday and try to make it last the week. I have never yet got past Wednesday without having to get more, and currently, I am sitting here with £10 still in my purse :-) :j

rising_from_the_ashes

Thanks for all the good wishes (lost track of names:o so sorry not mentioned in person) - glad it's over....

Have spent the past couple of days a bit doped up on painkillers but not feeling too bad today.:)

Anyway, as I lost count last week, I know I was on at least 4 so will use that for a starting point.

Have another 3 to add (Wed, Thurs & Today) which brings me to 7!

Natty68 wrote: »

Although I don't envy you the bed rest but just imagine how many NSD's you will have at the end of it

Natty - yup, hopefully lots of NSDs - providing I can resist the temptations of online shopping!:eek: I don't tend to buy a lot online as not normally in to get the deliveries but .......

chris81418

Good morning everyone! :wave:

Checking in to report that yesterday was NSD number 13, and so I'm up to 11 NSDs in-a-row! :j Today, however, my chocolate mini-roll comes to an end, as a very BIG food shop is much needed!

jintyb wrote: »

Thanks Chris!
WOW! What a brilliant personal best well done you!

Thanks Jinty!

jintyb wrote: »

Just popping in to say that I lost 3lbs today at WW! I am over the moon - that's 14.5lbs - my first stone off before my hols!

And well done back at ya Jinty! :T

butdoineedit? wrote: »

Aww thanks Chris, i don't half wish i was facing the ex tenant in the dock, now that would be fun!!

:rotfl:

mysk_girl - well done with your money saving ways :money: ... you'll be an NSD addict before you know it!

rising from the ashes - glad you're feeling better today!

Have a good day everyone and have fun catching those pesky NSDs!

Tixy

Hello No spending gang.

Can't seem to keep track of this thread this month but good wishes to all who need them at the moment.

Another NSD for me yesterday so I'm up to 9 please. I might actually reach target this month!

IF

Afternoony all :hello:

Hope your all doing the ~ Friday Wiggle ~ :dance:

Lily_The_Legend

I forgot about the Friday wiggle! :eek:

As it's 100 days until Christmas...



Hoping for a NSD today, my first since Sunday! :eek:

IF

Lily_The_Legend wrote: »

I forgot about the Friday wiggle! :eek:

As it's 100 days until Christmas...



Hoping for a NSD today, my first since Sunday! :eek:

100 days!! :eek::eek::eek:

You've mentioned the 'C' word Lily!! :eek::rotfl::rotfl:

Love the wiggles