Have an outstanding October with the NSD challenge

LittleMissHappy_2

kathy40uk wrote: »

Good news I have an interview tomorrow morning but bad news is I'm on a late tonight so it will all feel a rush in the morning..really need to get out of here on time tonight........really need to get out of here full stop as it's getting worse . was a bit worried as it took them a long time to get back to me about the interview but I'm as ready as can be, money is a little less but it will be amazing just not coming into here every day and it's only a nine month contract but that gives me breathing space.

Good luck this morning Kathy - keeping everything crossed for you x

Today should be NSD 2 but I'm not counting my chickens Another study day (are you getting bored of listening to me say that yet??!!) - I've got my first tutorial on Saturday and want to be prepared...I'm a bit (a lot) nervous

It's gloriously sunny here, but a bit nippy - I'm going to miss sun bathing in October but on the plus side...scrummy windy autumn days where you can kick through big piles of leaves! Yay! (I'm a big baby at heart!)

Have a great day everybody x

wannabehermit

Good luck with the interview Kathy.

Mine went well I think. I had to spend a fortune on dresses last night as they lock their chaging rooms at 7 so had to buy a few to try on at home, will be running the others back up this afternoon. And the one that I'm keeping will get more usage this week as I have an interview on Friday for a new supermarket that's opening soon. My friends DD babysat fro me today and will hopefully be able to do it again on Friday, so I'll pay her for both today which will hopefully make Friday an NSD and hopefully I'll be able to get going tomorrow (fingers crossed).

honey

Good luck for this morning Kathy

Well done wannabehermit and good luck for the Friday one too

milann

3/15 for me - pleased with that except I've got tummy bug so not been out of house for 2 days
On the bright side - it's keeping me on track

Smoosh

Aiming for my 2nd NSD today Got a 10 hour shift at work later (which I am absolutely dreading!), but it will definitely stop me spending

elfen

NSD no 3 for me please

IF

Afternoony all :hello:

solventsoon wrote: »

Hi lovely NSD gang:A
As you can see there is lots of activity on this challenge at the moment and it's difficult sometimes to see how many NSDs you're all declaring on posts.
Could I ask you to highlight your number of NSDs in a colour and in bold so that I can see them easily when I whizz through the posts - red would be best but I don't really mind as long as I can see the numbers easily.

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!

LittleMissHappy_2

wannabehermit wrote: »

Good luck with the interview Kathy.

Mine went well I think. I had to spend a fortune on dresses last night as they lock their chaging rooms at 7 so had to buy a few to try on at home, will be running the others back up this afternoon. And the one that I'm keeping will get more usage this week as I have an interview on Friday for a new supermarket that's opening soon. My friends DD babysat fro me today and will hopefully be able to do it again on Friday, so I'll pay her for both today which will hopefully make Friday an NSD and hopefully I'll be able to get going tomorrow (fingers crossed).

Good luck to you, too, wannabehermit Everything is crossed

pinkpinkuk

Just what I need :beer: I did this once before but forgot. Oops!

I'm a bit late, but since its still early in the month, could you put me down for 7 NSDs for October please. I'll start low and work my way up

I'm not going to include DDs, but I am going to include bus fare, so 7 days of walking to and from work. I'm sure it'll do me good.

slowlyfading

Number 3 for me today