Have an outstanding October with the NSD challenge

debtfree_future

Hi

Just to say I've had 3 NSDs. These were 15,16 and 18 October which means I achieved
4/7 NSDs towards my target.

DFF

bottleofred

Good evening folks from a very cold and unbelievably wet NI:eek: I'm popping in to declare NSD10 for today please:beer:

lynnette78

had a NsD yesterday and another today which brings my total to 10 which is my target:j ( thanks in the main to putting my back out last week and not being able to walk to the shops! on the mend now )

im gonna congratulate my achievement with a twirly martin:money:

milann

2 nsds here

beanielou

Yah Milan :j

butdoineedit?

Sorry i've been so rubbish at keeping up this month, i have no idea where the time goes, but before i know it i've been AWOL for a week :eek:

Anyhow, i'm planning a mega catch up tomorrow (after the big pile of ironing!), but just thought i's pop on to declare i'm now up to number 8 please Spoon :j

(((((((((big hugs)))))))) Jinty, hope all went well at the clinic today?

greenanne

maneged another nsd today.

so thats 11 nsd for me so far.
thankyou.

IF

No NSD for me I bought chocolate!! :dance:

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!

LittleMissHappy_2

Keiss 21 - well done for number 10 :j:j:j - hope you are busy in a good way
jintyb - well done for number 9 :j:j:j - hope you are feeling better today and the clinic sorted you out x
Mrs Good Life - well done for number 9 & 10 :j:j:j - well done, keep it up
Betsie2010 - well done for number 6 :j:j:j - slowly but surely wins the race
muffin man 7 - well done for number 15 :j:j:j - hope you are feeling better soon x
freshair - well done for number 2 :j:j:j - I don’t envy you the no broadband :eek: I would be going crazy
jaffacakegal - well done for number 6 :j:j:j - there seems to be a lot about at the moent Hope you are feeling better soon x
lotti379 - well done for number 6 :j:j:j - Hope your Mum’s dog is feeling better soon but :eek: to the insecticiding the house!
slowlyfading - well done for number 13 :j:j:j - not long to go now
rising from the ashes - well done for number 12 :j:j:j and 7 in a row :beer:
Igamogam - well done for number 4 :j:j:j - keep going, you’re doing really well and you will hit your target (or at least get really close!)
iwanttogoonholiday - well done for number 8 :j:j:j - well done, keep it up
SillieBlondie - well done for number 11 :j:j:j - well done, keep it up
fedupandskint - well done for number 8 :j:j:j and 4 in a row :beer:
QueenB. - well done for number 9 :j:j:j - really close to target now I love it when I see my own kids ‘get’ it so I know exactly what you mean...
beanielou - well done for number 13 :j:j:j - well done, keep it up
donna dynamo - well done for number 13 :j:j:j - I love finding money that I've forgotten about You’re really close now so keep up the good work!
debtfree future - well done for number 4 :j:j:j - well done, keep it up
bottleofred - well done for number 10 :j:j:j - it was a clear but windy autumnal day here
lynette78 - well done for number 10 :j:j:j - and that is great that you have reached your target! I love your celebratory twirly Martin
milann - well done for number 2 :j:j:j - well done, keep it up
BDINI - well done for number 8 :j:j:j - good luck with your ironing Have you found a tenant yet?

And it is NSD 8 for me as I got everything I needed delivered with my Mr T order I am now a brunette and keep on catching a glance of myself in the mirror and thinking I am my twin :eek: Hopefully this reaction will fade as I get used to it :cool::rotfl::p