Have an outstanding October with the NSD challenge

Mrs_Good_Life

Saturday was NSD number 9,Sunday I did a small grocery shop and yesterday i filled the car up with petrol. Today is NSD number 10.:j:j:j

Betsie2010

Yesterday was NSD # 6 :j
Getting there slowly......:)

beanielou

Sounding good Muffin Man :j

Take care Jinty x

muffin_man_7

thanks beanie we should of had a visit at end of august but it never happened and now 2months later we are still not sure when that will happen so the more we can get done the better but after an hour or so i feel totally whacked and end up with a part finished room which doesnt help and a bad back

The good bit is it stops me spending for a few days at least, and it helps when i find things on my non food list in the house the money its saving me is going towards a surprise party for my granddaughter so the more i can find the better
I can start again next year but with a place to put things so i can find them will be even better its surprising what i've stashed and forgot about sh gel bubble bath shampoo conditioner wont need any of them for at least 6 months maybe longer soap powder bought 3 yrs ago and loads more no wonder i cant get in my room

I didnt get much kip last nigh with backache and the strong wind making me feel cold it was 6deg c outside at 4 am and 16 c inside brrrrrr thinki need tofind my thermals soon its still very windy now just hope therain stays off socan get some washing dry
and before i forget am declaring today a nsd that takes me up to 15 so far

freshair_2

Sorry not been about much, that's the moving thing, and the lack of broadband till Thursday!!!:eek:, and i only have 2 nsd to report, need to start planning more, guess that will be easier now me and ds are home again

muffin_man_7

somuch for drying outside its chucking it down and only 8c brrrrr i'm glad i'm staying in

jaffacakegal

In a rush!

Must have got NSD 6 somewhere - presume last Thursday? as that is what it says in my budget book! Spent all weekend in London, carried it on yesterday out for my tea. Need a kick up the !!!!!!

Feel poo - cough getting me down now and I sound all husky - attractive!

Must dash!


JCG x

elfen

Spendy day today but should be NSDs to the end of the week - Friday is gig day so the NSD gig rule applies for that

lotti379

Declaring NSD number 6 for yesterday, took my ma's dog to the vet but not me paying for it... poor chap was horrible itchy, and is now on steroid treatment for a flea allergy, while we try and insecticide the house!

Have decided to re-start a spending diary, as I've been keeping a record of my income from the various sources... but it all seems to keep disappearing before I make any serious indents to the overdraft. I don't think I have much to show for it either... and I haven't spent it ALL down the pub!

jintyb - good luck with the supervisor, a girl who was in my house at school has Crohn's, it can be so difficult to manage. Hope you're ok, and you musn't feel guilty about taking time off work for a good reason!

elfen - congrats on the gig reviewing job, it sounds ace!!

IF

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!