Have an outstanding October with the NSD challenge

iwanttogoonholiday

im declaring for today as theres no way im going to the shops in this weather! so thats 10nsd's!

jaffacakegal

Hi all,

Tues was a spend - finally got fresh bread and in-date milk from MR A!

Wed was NSD 12

Today I was just about the leave for work when I realised I had dentist appointment at 9:10am! £17!!!!!! :mad: and totally ruined my chance of reaching my target this month

I could technically still do it, but I'm pretty certain I'm going to need to spend on Saturday - although I'm out with work so may all be paid for by the company - fingers crossed eh

JCG x

jintyb

Afternoon all!

Well it has been a dramatic day!
Got up early, went to A$da first thing then to weigh-in. Lost another 1.5lb today!
Driving home after meeting when an old guy decided to pull out an do a U-turn right in front of me, and I crashed head-on into him. I am ok apart from being really shaken up and I have a sore back and hip. The car is a mess. Grrrrrrrrrrr:mad::mad::mad:
Have spent the last two hours on the phone to insurance and waiting for courtesy car ( which is rather nice, BTW). Although it wasnt my fault, I am totally p...d off! Had to stump up £50 as a fuel deposit for the "courtesy" car, which we'll get back when we hand the car back, but an unexpected outlay none theless!

I am off for a lie down with my book and a cuppa as I must compose myself in time for John B tonight.
Mum and I are going to postpone going to Craft show tomorrow, we may go on Sunday instead.

Anyhoo, that's enough of me chuntering on, will update tomorrow.

Have a lovely day all!:):)

fedupandskint

Oh dear jinty -what a mess, hope you're ok and not too achy

Its NSD 14 for me today and I think its 6 in a row from last saturday to today.

This time last week I didn't think I could make it to my target but I believe I can now with only 1 more day to go. Amazing what having no money can do to motivation when there's nothing to spend left. Let's see if I can do better in November

Frodobaggins

NSD#13 and NSD#14 for Tuesday and Wednesday. Hope to get number 15 today but not holding my breath. Definate spend day tomorrow as its finally pay day.:T

ModestyB

Hi Jinty,
hope you're alright, it's such a shock when that kind of thing happens. :eek: A heat pad or hot water bottle might help your back and hip.
Enjoy your night out with John B.

LittleMissHappy_2

jinty :eek: glad you are ok x Some people shouldn't be on the road :mad:

Iggy hasn't turned up yet I've done a leaflet drop on my street and te street which backs on to ours and also put a poster in the local vets window..

Went to get my hair done today (so no NSD....again) and on the way back the front of my exhaust fell off! So I drove home the last 10 minutes sounding like a boy racer with the front clanging on the road making more noise and generally feeling a mixture of mortification that I was being so noisy and worry that my car would explode or something

Anyway, we had other stuff planned to do today but now it's a stay at home and chill out day Saying that I promised I would take DD to the shop for a magazine as we need to take the dog for a walk and check my sisters house for post so will be out again in a bit...

Honestly, I could go on but I've already waffled loads (again) so will be back tonight with an update and no moaning!

ETA - thank you so much for all the well wishes and vibes It is making me feel much more positive xxx

IF

Afternoon all :hello:

Spoony, Little Miss got my 16th NSD today, thank you :A: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!

ModestyB

Very pleased to announce NSD No 9 today. Only one more to reach my target.

Hope everyone is feeling better and all loved ones come home safe.