Have an outstanding October with the NSD challenge

LittleMissHappy_2

kerri gt - well done for number 8 :j:j:j - hope you are continuing to have a successful trip out in Taiwan Thanks for thinking of Iggy x
chris81418 - well done for number 20 :j:j:j - I hope he turns up soon too It’s just so unlike him, he literally never goes anywhere....he really is like Garfield - all he does is eat and sleep! But still keeping my fingers crossed. Thanks for thinking of him x
wannabehermit - well done for number 7 :j:j:j - we had rain yesterday but luckily jut for teh afternoon so we could get stuff done in the morning. Thanks for thinking of Iggy x
Keiss - well done for number 16 :j:j:j - keeping my fingers crossed for your next 2 NSD’s and thanks for thinking of Iggy x
elfen - well done for number 12 :j:j:j and second target met :beer: spoon will change your target to 14 when she updates the front page
ModestyB - well done for number 8 and 9 :j:j:j - yay for finding random money :DSorry, I don’t know how you post pictures on here Thanks for thinking of Iggy x
SpendSpendSpend - well done for number 14 :j:j:j - Not long to go ‘til target! You can do it!
iwanttogoonholiday - well done for number 10 :j:j:j - at least the weather is good for preserving NSD’s
jaffacakegal - well done for number 12 :j:j:j - keeping fingers crossed that work will pay for Saturday and :mad: for the dentist appointment. As if you need any other reason to loath going to the dentist
fedupandskint - well done for number 14 :j:j:j - and 6 in a row :beer: You can definitely do it
Frodobaggins - well done for number 13, 14 and 15 :j:j:j - you’re doing eally well, keep it up x
if - well done for number 16 :j:j:j - you’re doing really well, keep it up x
marmiterulesok - well done for number 16 :j:j:j - you can make it Thanks for thinking of Iggy, keeping my fingers crossed x
rising from the ashes - well done for number 16 :j:j:j - well done on getting so many, I am doing the opposite Thanks for thnking of Iggy x
SillyBlondie - well done for number 17 :j:j:j - woooo for nearly being at second target You can do it x
BDINI - well done for number 14 :j:j:j - mmmmmm hot choc with marshmallows, can you pass one over Thanks for thinking of Iggy x
Igamogam - well done for number 6 :j:j:j - keep on plodding

Feeling better about things after a long sleep One the one hand Iggy is missing, my car is broken and I have a sore ear. On the other hand, Iggy will turn up any time *crosses fingers*, my car is easily fixable (according to DH) and I am seeing the Dr next week about my ear, so it's all good and definitely not the end of the world Hope you all have a great day, it is Friday after all! x

lotti379

Wednesday was also non-spendy which makes 11 nsds now!

Might have pre-ordered a new album last night though

Still, today will be spending as I shall be paying £300 off a debt! :money:

Thank you all for your congrats etc!! Hope everyone is ok today and in particular Iggy has a long think about how worried you must be and at least shows his face today, even if he's in the middle of a feline Great Adventure.

LittleMissHappy_2

lotti379 wrote: »

Wednesday was also non-spendy which makes 11 nsds now!

Might have pre-ordered a new album last night though

Still, today will be spending as I shall be paying £300 off a debt! :money:

Thank you all for your congrats etc!! Hope everyone is ok today and in particular Iggy has a long think about how worried you must be and at least shows his face today, even if he's in the middle of a feline Great Adventure.

Yes, he should have along hard think! Naughty cat!

Sorry lotti, in all my wallowing in self pity I didn't congratulate you for your results Really well done, I am just starting my second year levels with the OU so a while to go yet, but can't wait to be able to tell everyone I have gained my degree Just found out I got 100% on an icma that I had to complete last week as well, so chuffed with that

Keiss_21

Morning all, going to be a bit of a spendy day today, but hopefully that will mean that I can have an NSD weekend! :j

Lots of (((((hugs))))) to you jinty, if you are still achey after the weekend, you should probably head for the docs to get checked out...your body haas quite a shock, both mentally as well as physical.

A twit did a U-turn in front of me too, many years ago (DS1 was 2 and in the back). I was so furious with him!! I left him changing the wheel (bumber crushed into the old one), while I took a crying DS to friend's house in the next street. While I was there I almost passed out!! So she called the police (and doc) to see what should be done, Apparently the chap got quite a shock when the bobbies turned up!! They all had to wait for DH to arrive before thay could move the car though as the steering wheel had locked.

The prat's insurance company still claimed that it was my fault and as the van was his business he was claiming loads off my insurance!! Thankfully all was sorted in the end. I had a few weeks in a collar and my arm in a sling as I had whiplash (came from desperately trying to avoid the eejit!!!) :mad: Didn't help that this was the time that DS decided he wanted to not wear nappies...don't recommend carrying potties upstairs wearing collar and sling, or cleaning any overspills...was quite a comical sight really, if painful! :rotfl:

Now need to get going, loads of sewing to do, then food shopping later.

Have a great day everyone.

IF

Afternoony :hello:

I'm doing the friday ~ Wiggle ~ :dance:

LittleMissHappy wrote: »

:eek: Sorry everyone - fell asleep with my DD last night and slept like a log all night :eek: Update following

Awww no worries, you've a lot going on bless you :A

jaffacakegal

((((big hugs)))) LMH, and ((not so big hugs in case it hurts)) Jinty! Everyone going thru the wars!

Got some petrol and put some money aside for Saturday just in case, just so I didn't feel like the dentist completely ruined my NSDs yesterday!

Also got some makeup, but I thought it made sense to use some of my £88 worth of B**ts points that I have on my card whilst I'm so skint!

Hoping NSD today!

JCG x

Frodobaggins

Pay day for me today at last!:j Gonna be a big spend day, as cupboards and fridge freezer bare, and the car is running on fumes. Well not quite but you get the picture.;)

Butti

I'd like to claim NSD no. 8

Staying in but really quite bored. 2 job applications to do, don't think I can face doing 3 and a chapter for my dissertation.

Quite a good week this week. Got a voluntary post with CAB despite sniffing all the way through the interview (Have a blocked up ear!), have a number to ring about a voluntary housing post AND have an interview for a PROPER job. That's right a REAL JOB with REAL MONEY. It's only till the end of March and 2/3rds what I was earning but I don't care, once I get my foot in the door I'm supergluing it there!


B

IF

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!

beanielou

Good news then Butti on all fronts.

Jinty~sorry to hear about your big bump
Take care hun xx

Yesterday was no 18.
Today I was manky starving and so got a tuna roll at lunchtime.
Twas lovely though.