The “how many paydays ‘til Xmas” November NSD challenge

LondonGirl252

Hi guys!

I have come to take back my last post! Nectar card points saved me from spending money so I can count today as NSD no 7

Thanks

LondonGirl252

LondonGirl252 – darn to the mini supermarket being rubbish, but I hope you had a good tea with your friend?

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Lovely thank you!!!

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!

IF

Ooops forgot to say I got my 13th NSD today, thank you Spoony, LMH and BDINI :A:A:A

LittleMissHappy_2

kerri_gt wrote: »

Ahhh, I see, the clothes airer is heated - nice idea actually, although i think I'll stick to keeping mine on the airer in front of the radiator atm. ohhh... they do have some nice stuff on the site though...I feel my mojo might be making a slight return....

Must admit I went in search of it after my post and saw that it was heated etc and then had a little inner dialogue trying to convince myself I needed it I didn't in the end but when my budget is sorted I might have to try as my tumble dryer has conked and it's the second one to do so this year so may be worth a shot I may also make a fuller perusal of Lakeland as their stuff is so lovely!

rising - thanks, will have to go to Mr T again tomorrow to get them...I have tried them all and they are all lovely. Funnily enough I was talking to my sis about these earlier today and I said if someone just got me a few of these for xmas I would be a happy bunny! Love the scent so thanks again for the heads up x You are an :A

suzitiger

haha i asked about the candles too, sounds like a bargain!! They will be going in stockings and a hamper! and maybe one will find its way into my house by accident The sewing social was great fun thanks, I made a pin cushion which will go in Mum's stocking I need to make lunch for tomorrow as I have a long day of work and apart from my train fayre to get there I don't want to have a spend!!

mf0u1098

Bagged my 11th NSD today so back on track to hit the finish line!!!!:j:j:j

cw18

Nargleblast wrote: »

CW - Johnny English is a funny film about a gormless secret agent. Well, I found it very watchable and amusing anyway! If you can get hold of it to watch it do so.

DS1 called round today (arrived around 1 and left just before 11 !!), and managed to talk me into running him to a job interview tomorrow morning. In return he's asking his house-share if I can borrow the first one, as DS1 is sure he has it

New chap phoned last night when he got in from work - had told him I'd be up late (he's on lates this week, so doesn't finish until 10pm), but I didn't expect to be on the phone for 3.5hours and it was 2:30 before I could get ready for bed :eek: Had a really good laugh though, so it was well worth the late night

freebyfifty

No NSD yesterday for me

Had to go into the town centre for a training event and ended up mooching around the shops.

Got my mum's Christmas prezzie which was a bargain at 50% off in Edinburgh Woollen Mill and her usual perfume, so at least it wasn't on something I didn't need to get and I can cross one person of the present list

Going for one today though - fingers crossed

ebayqueen_2

Morning spoonie and all.

Eventually getting around to updating my signature. Am doing well with the nds. I think I am getting back into the mindset. Hopefully

Keep going folks

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