Have an outstanding October with the NSD challenge

solventsoon

Hi lovely gang :A
Hope you’ve all had a wiggle today as it’s Friday. It’s supposed to be a lovely weekend weather-wise, fingers crossed for some sunshine for us all.:j


Well done for all the NSDs rolling in today:

:j:j:jgreenanne - for no 8, that’s brilliant, you’re definitely on a roll!

:j:j:jjinty - for no 7, that’s brilliant, you’re definitely on a roll!
Fantastic news about your weight loss, well done you!! I bet you feel a lot better for that, doglet is probably running to keep up with you now... Is your skin still improving?
Hope you had a lovely chilled day knitting my scarf:D:D

:j:j:jIf - for no 7, that’s brilliant, you’re definitely on a roll!
Well done for getting some NSDs on your hols, hope you had a lovely time x
I love that wiggling penguin, priceless!!:T

:j:j:jlotti379 - no 4 nabbed, that’s fantastic!!!
Thursday sounds fab, a really lovely day for you and a few nice spends, definitely worth losing an NSD for

:j:j:jchris81418 - for no 10, that’s brilliant, and yay to 10 in a row, that’s fantastic!!:j:j:j I am in complete awe of your 10 in a row - how on earth do you do that??

:j:j:jrising from the ashes - for no 9, that’s brilliant, and yay to 4in a row, that’s fantastic!!
Fingers crossed for 6 in a row over the weekeng
Well done for resisting the spending,:T you’re doing fantastically well considering you’re at home all the time and not able to do very much. Hope your foot is starting to heal and becoming a bit less painful?

:j:j:jdonna dynamo - for no 10, that’s brilliant, you’re definitely on a roll!
Well done on conquering the ironing mountain!

:j:j:jMrs Good Life - for no 8, that’s brilliant, you’re definitely on a roll!

:j:j:jsf - for no 11, that’s brilliant, you’re definitely on a roll!

:j:j:jlynnette78 - for no 8, that’s brilliant, and yay to 6 in a row, that’s fantastic!!
Pleased your back seems to be improving, be careful not to overdo it now though.
You’re right, I don’t think any of us realise how valuable our backs are until we injure them....

:j:j:jTwelveStopsThenHome - no 4 nabbed, that’s fantastic!!!
Hope you have a brilliant holiday and lots of sunshine, see you soon x

:j:j:jModestyB - for no 6, that’s brilliant, you’re definitely on a roll!
Oh dear, sorry about the panel pins yesterday, sometimes it doesn’t take much to ruin an NSD. I’m sure DH is worth it though!


And hello to:

LMH - yay to the tax rebate,:T I love it when the taxman gives me money, unfortunately it doesn’t happen often enough for my liking!!
Hope your tutorial goes well tomorrow x

kerri - I like the sound of your Wednesday evening and Thursday, OH sounds lovely. Did you mention kippers.... hmmm.. after today I think they’re definitely going to be heading your way:rotfl:

Butti - hope you got your 1000 words written eventually and you didn’t find too many things to distract you

SpendSpendSpend - (((hugs))) hun, it sounds as though you’re having a bad month.
Don’t beat yourself up too much, you had a brilliant August and September, hopefully November will be better for you. Take care xx



No 11 for me on Thursday and no 12 today, I’m very pleased with my progress this month.


Off to update the front page now. See all you lovely people tomorrow

‘night everyone

spoon xx

PS: thanks for all the comments about my week from hell... it’s got slowly better though I’ll be glad when this month is over, like SpendSpendSpend it’s a busy one!!

bottleofred

Good morning folks from a wet NI:eek: I had a spend day yesterday due to buying another Christmas present (it's only 10 weeks tomorrow by the way:eek:) and also treated myself to a takeaway for dinner. I hope everyone has a fantastic weekend and is well:beer:

iwanttogoonholiday

Ive put some money aside for today for a subway as hubby working all day and wants one when he gets in - so if i just manage to buy that then im gonna count today as ansd - was hoping for one yest but was so tired in work i bought choc

IF

Morning 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!

chris81418

Good morning everyone! :wave:

solventsoon wrote: »

:j:j:jchris81418 - for no 10, that’s brilliant, and yay to 10 in a row, that’s fantastic!!:j:j:j I am in complete awe of your 10 in a row - how on earth do you do that??

Thanks Spoon! I'm working my way through all the food in the fridge and freezer, so at some point (probably this weekend or Monday at the latest) I'll have to buy some fresh food! In the mean time, the thought of being debt free is my motivation for clocking up all my NSDs - my debt free date is about 1 year away, it's been a long journey, but the closer I get, the more determined I become to get there!

Anyway, I clocked up one more NSD yesterday, so I'm now up to 11 NSDs and also 11 NSDs in-a-row! :j

Have a great weekend everyone!

bottleofred

Afternoon folks,

A spend day for me today unfortunately!

Butti

NSD no. 4 for me please.

Managed to do about 300 words, so some, but not great. Going to do some more today but think I should do some gardening first. It seems like a day when it would be stupid not to spend some time outdoors with the sunglasses on.
:cool:

slowlyfading

It's not a NSD for me; needed a few bits and bobs

LittleMissHappy_2

No NSD for me either Had to pay for DH's parking as he didn't have any change......normally the week-ends are NSD's for me as he pays for everything but never mind - we had to go to town to pay in out unexpected tax windfall so can't complain

Nargleblast

A quick hello from a flying Nargle to report the grand sum of 7 NSDs! (Hops on broomstick and flits out again).