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The Solvent September NSD Challenge

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  • NSD No18 today :j
    Not buying unnecessary toiletries 2024 26/53 UU, 25 IN
  • beanielou
    beanielou Posts: 95,578 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Today was no 15
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Happy birthday Spoon :j :j :j

    Number 13 for me today :)
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • kerri_gt
    kerri_gt Posts: 11,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    So, which bright spark mentioned about Igor doing the catering for Bdini's court appearance? As I speak he is frantically chasing a large white goose around the dungeons of Chateau Nargle.....(why goose, Igor? Oh, because it's Michaelmas, and goose is traditional. So, let me get this straight......you are doing stuffed Michaelmas goose sandwiches? Very nice I am sure but for one thing ....you have to kill the bl**dy thing first, you fool! No wonder the poor thing's eyes are watering....)

    Whoops sorry...think I might have mentioned something about a group outing to the court too :o
    Sorry Nargle, that would have been me, not sure what i was thinking!!
    Maybe if you send him to help Hubert carry Kerri's bags it will distract him from the goose?
    Mind you, not quite sure whether Kerri's shopping will be edible when they finally get it home!! :rotfl::rotfl::rotfl:

    Well no NSD for me yesterday but that was planned, got a couple of bits in Mr S at lunchtime (incl a can of the imfamous free soup), and they had the moisturiser I use on a 1/2 price promo, even cheaper than in S*vers so I picked up two as it was daft not to.

    Then I stopped at Mr M (only day I go past) and had picked up some blackberries, rice, pasta sauce and a jar of curry sauce - total 80p after vouchers (think the girl actually scanned one too many coupons, I did try to tell her I might had handed one too many coupons over but she didn't listen to me :o) would have been a fab haul had Igor not started arguing with Hubert about who was going to carry the bags and I ended up with a broken mush of blackberries with pasta and curry sauce :eek:

    No NSD for me today either, had planned one but one of the health food shops in town was shutting today :( and I popped in, got some high fibre museli for £1.80 odd (normally £5) - don't let Hubert get to it :eek: and some spicy nuts for OH (again don't let Hubert get to those!)

    Tomorrow is hair cut day but Sunday is looking good for me getting back on the wagon.

    Happy Birthday Spoony - hope you've enjoyed the cakes :D:D:D xx
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


  • Good evening folks and Birthday greetings and salutations go to Solvent:T. I hope everyone is well on the Autumn equinox. Declaring NSD17 today please:beer:
    If you've nothing decent to say, perhaps you shouldn't say anything.

    £2 savings jar £300:D
    Total credit card debts £1250:mad::mad::mad::mad::mad: - Will I ever learn!!
  • solventsoon
    solventsoon Posts: 17,363 Forumite
    Hello again lovely gang :A

    More birthday wishes and cakes, thank you, you are all lovely and I really appreciate it xx

    Well I had intended to catch up with you all and update my total tonight but at the moment I have no idea how many NSDs I'm up to and my mental faculties seem to be somewhat impaired at the moment (nothing whatsoever to do with the quantity of wine I've consumed this evening, of course:o).

    I shall be back tomorrow to catch up with everyone and work out my total.

    'night everyone and thank you again

    spoon xxx
    :) The time you enjoy wasting is not wasted time :)
  • hoping for an nsd today or at least 2mor....still got quite a few to meet my target....it will be hard going if i make it!
    Learning to keep within budgets !

    :money:
  • NSD no 10 yesterday and hoping for no 11 today! :)
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    Hellooooooooooooo :hello:

    128932260544302044.jpg


    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 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"
  • solventsoon
    solventsoon Posts: 17,363 Forumite
    Hellooooooooooooo :hello:

    128932260544302044.jpg

    That is sooooo how I feel this morning, If :D:D
    :) The time you enjoy wasting is not wasted time :)
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