Have an outstanding October with the NSD challenge

Keiss_21

NSD no 15 today Spoon, and well done on your test :A

Thinking my asthma may have been triggered by switching the heating on and the newly painted (well, over 6 weeks ago) conservatory emitting fumes, not convinced about this, but it is the only noticeable difference that happened over the weeked. Ofcourse, I could just have been kn*****ed!

My back is much better after seeing the chirpractor yesterday...good I don't have to go back for a follow-up session either :j

Heading off to the sewing room now, not done any sewing for nearly a week :eek::eek:

Have a great day everyone...and keep nabbing those NSDs!

wannabehermit

Glad to hear your asthma is much better now Keiss, mine used to be triggered by the heating being turned on (I then spent the next however many years until I moved out of home in a cold house as my mum refused to turn the heating on incase I had an asthma attack :rollseyes: )

freshair_2

OMG i thought I had done so well so far with my 5 NSD, err obviously not going to do 10 as there really aren't enough days in the month and have already commited to spend on 2 of those days, possibly 3 :rotfl::rotfl::rotfl:. Everyone else has done sooooooo well. I will not give up and will try again next month, I am hoping it will be a bit easier now I have my old new home again and it is sorted

milann

1 more here since my last post - hoped for more but not to be

Igamogam

Number 5 please. October proving to be a spendy spendy month but I am determined today will be a NSD

LondonGirl252

Oh I just realised to beat my target now I need to have NSD for the next 5 days! GAH probably not going to happen... I underestimated how many days I'd need to spend money!

I'll do my best and if not, I'll go for lower targets between now and xmas then hit it big time in the new year!

jintyb

Good afternoon all!

Late posting today as started work at silly o'clock this morning.

Please to report #15 for yesterday and I am going to declare early today - #16 please and TARGET MET! PHEW!:j I thought I wasnt going to make it this month!

I wanted to get the target done early as I have a few spendy days coming up.
Tomorrow is JB's concert, but I have no plans to spend there as I will be taking a bottle of water and that's it! I hate paying venue prices (I'm an old Scrooge when it comes to that!:o)
On Friday, I'm off to Glasgow to the Christmas Craft Fair so I will be spending ( lot's of goodies) but I'm taking a packed lunch ( see above!);)
Saturday is Autumn Fair at the church - I am on kitchen duties, but I can envisage a few goes on the Tombola!

Anyhoo - off to have my lunch ( packed, of course)

Have a great day everyone!:)


Spoony - well done on your test:T

IF

Afternoony all :hello:





Well done Spoony on your test and Pah to losing your updates.....bless you xxx :A

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!

solventsoon

ifwisheswerehorses... wrote: »

Afternoony all :hello:

Love this one, If, it took me a few seconds to realise...:rotfl::rotfl: