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

mf0u1098

OK, it was already going to be a spendy day for me today as I always go out for dinner on a Sunday evening so I decided to get fuel as it won't last till 1st December. I've also asked my mum if she'll buy any bits over the next couple of days and do the next big shop as this is where most of my money and NSD's have gone for the family and it wasn't my turn to be honest (we alternate big shops but I've done the last two)! So, with the plan sorted I just need to get NSD's tomorrow, Tuesday and Wednesday to hit my target of 15. Wondering what target to set for December...!

elfen

NSD no 12 for me please

Butti

BDINI I think if she hands over 6 months and you like her that sounds okay, unless she is growing cannabis. Are you taking references?

Rodger the lodger (in my house) handed over a months and a £200 deposit, but most importantly he seemed really nice and I got a really good vibe from him. he had references but I didn't follow them up.

The guy who tried to negotiate the rent down and the one who wanted fringe benefits both got short shrift.


B

p.s. His name isn't really rodger!

solventsoon

Hi lovely gang:A. Hope you've all had a good weekend
Stand by for a humungous update - I could be some time


Well done everyone for all the NSDs nabbed over the weekend:T

:j:j:jbeanie - for no 17, target no 3 is within sight now, keep going
And no 18 brings you one step closer, yay!!

:j:j:jRed - for no 20 and your second target exceeded now. Another prize is headed your way, hope you like it

:j:j:jBDINI - for no 18 and your second target tumbles, that’s brilliant.:j:j:j
Your second prize is headed your way now, hope you like it. Increasing your target to 20, good luck
Fingers crossed re the prospective tenants

:j:j:jButti - for no 6, nearly there now, you can do it

:j:j:jchris81418 - for no 16, nearly there now, you can do it
And no 17 brings you one step closer, yay!!

:j:j:jDecluttering - for nos 8 and 9 and your target exceeded now. Another prize is headed your way, hope you like it
And no 10 in the bag, you’re doing brilliantly, keep going

:j:j:jdonna dynamo - for no 8, you’re doing brilliantly, keep going

:j:j:jebayqueen - for no 8, you’re doing brilliantly, keep going

:j:j:jelfen - for no 11, nearly there now, you can do it.
You’re sounding very organised, will pop and have a look at your diary this week to see what’s going on
And no 12 takes you one step closer

:j:j:jfedupandskint - for no 10, into double figures now, keep going
And no 11 takes you one step closer, you can do it

:j:j:jflying_fresian - for no 10 and your target met, that’s brilliant.:j:j:j
Your prize is headed your way now, hope you like it
And no 11 in the bag so your target exceeded now. Another prize is headed your way, hope you like it

:j:j:jfreebyfifty - for no 18 and your second target tumbles, that’s brilliant.:j:j:j
Your second prize is headed your way now, hope you like it. Increasing your target to 20, good luck
And no 19 nabbed now, keep going

:j:j:jFrodo - for no 14, target no 2 is within sight now, keep going

:j:j:jhis missus - for no 12, nearly there now, you can do it

:j:j:jIgamogam - for nos 12 and 13, target no 2 is within sight now, keep going

:j:j:jjintyb - for no 13, unlucky for some but not for you. Keep going, you can do it

:j:j:jKeiss - for no 13, unlucky for some but not for you. Keep going, you can do it
Glad you’re feeling a bit better now, love the sock cupcakes, what a brilliant idea

:j:j:jkerrigt - for no 12 and your target met, that’s brilliant.:j:j:j
Your prize is headed your way now, hope you like it

:j:j:jKnitting Nora - for no 10 and your target met, that’s brilliant.:j:j:j
Your prize is headed your way now, hope you like it

:j:j:jLMH - for no 8, whoop whoop, nearly there now, keep going
The Mr T candles are lovely and defintely worth losing an NSD for

:j:j:jLondonGirl252 - for no 9, nearly there now, you can do it
And no 10 and your target met, that’s brilliant.:j:j:j
Your prize is headed your way now, hope you like it

:j:j:jlotti379 - for no 11, one more to get now, you can do it

:j:j:jmarmite - for no 14, nearly there now, you can do it
And no 15 brings you one step closer, keep going

:j:j:jmfu1098 - for no 12, nearly there now, you can do it

:j:j:jModestyB - for no 8, nearly there now, you can do it
And no 9 in the bag as well, one more to get now

:j:j:jms_night_ryder - for no 7, nearly there now, you can do it
And no 8 brings you one step closer, keep going

:j:j:jmm7 - for no 18 and your target well and truly exceeded now. Another prize is headed your way, hope you like it
You’re really making progress at home now, sounds great and fingers crossed for youngest son, hope the flat works out for them

:j:j:jmyteeduck - for no 16 and your target met, that’s brilliant.:j:j:j
Your prize is headed your way now, hope you like it

:j:j:jNargle - for no 13, for some but not for you. Keep going, you can do it
Sorry you’re feeling poorly, hope you feel better soon x
And no 14 in the bag now, one more to get
Pleased you’re feeling a bit better today

:j:j:jpipersky - for no 11, keep going, you’re doing brilliantly

:j:j:jshezam - for no 7, one more to get now, you can do it
Wow.. that’s a low spend week, well done

:j:j:jsf - for no 18 and your second target tumbles, that’s brilliant.:j:j:j
Your second prize is headed your way now, hope you like it.
Hope you’re feeling a bit better now?

:j:j:jsteerpiker - for no 13, unlucky for some but not for you. Keep going, you can do it
Yay to another 3 in a row, prizelet coming up for that

:j:j:jsuzitiger - for nos 9 and 10 and your target met, that’s brilliant.:j:j:j
Your prize is headed your way now, hope you like it
Increasing your target to 11 now, you can do it

:j:j:jwannabehermit - for no 4, keep going, you can do it
Hope you had a relaxing weekend and managed to get out with the children

:j:j:jzafiro1984 - for nos 13 and 14 your target exceeded now. Another prize is headed your way, hope you like it
And no 15 in the bag now, you’re doing brilliantly!

And hello to:

Frodo - great news about the PPI:T

Red - hope you enjoy the wine:D

Cheryl - new chap sounds lovely, glad the date went well:T

ashleighsalem - be proud of your 4 NSDs, they’re quite an achievement at this time of year. :T Hope you feel better soon x


I’ve been grabbing lots of lovely NSDs over the past few days, up to no 22 now - woohoo!! My first target is smashed to I’m increasing it to 24

Front page all updated now and looking good with the prizes already

‘night everyone
spoon xx

solventsoon

Hi BDINI

I'm with kerri on no 3, if she can't be bothered to turn up to the viewing and/or phone you, what's she likely to do to your house? Sorry, I don't mean to sound all gloomy but you've had a lot to put up with recently with the house, you don't need any more hassle x

Re no 1, I guess if she (or her guarantor) can provide 6 months' rent in advance, she can't be all bad but I think I'd be tempted to put an arrangement in place whereby you always take the rent in advance, once bitten and all that. And I'd definitely get references and follow up on them.

Fingers crossed for you. You've got your head screwed on the right way so I'm sure you'll make the right decision.

spoon xx

jintyb

rising_from_the_ashes wrote: »

OK everyone, really in need of some help. Really, really struggling to fill in time without Ben - leaving work to the next morning takes forever and weekends last a lifetime (not trying to be melodramatic but that's unfortunately how it is).

Have been trying to think back to what I used to do many years ago before I had him and guess what ...... it was shop:o which was one of the biggest contributing factors to my debts building up in the first place.

Obviously, I don't want to go there again so any ideas on what I can do would be hugely appreciated - there is only so much reading, knitting etc that I can do.

I know I need to get out a bit but am really struggling to do this by myself - and, when I do, I just can't seem to do this without popping in somewhere & buying something (mostly small things but it's not helping with the NSDs and I can see it getting out of hand if I'm not careful).

Any ideas would be hugely appreciated:)

Hi Rising, just catching up with the posts this morning, and I see you've had a lot of response and a lot of advice and good suggestions.
What I'd like to add is the loss of a beloved pet is a bereavement and as such is extremely overwhelming. This is totally normal, so give yourealf permission to cry and grieve and remember you are not alone on your journey. Dont try to do too much too soon - baby steps to recovery!
I think its great that you've identified your spending pattern - ie when you're stressed and at a loose end, so it's a good idea to keep as busy as you are able. Voluntary work is a great idea if you are up for it. In addtion I would suggest setting aside a little budget for a treat every week and put that money in a separate purse. When you go out, take only that purse, so if you want to spend the money you can do so without guilt. I hope that makes sense. Feel free to post on here if it helps, we are all here to "listen" and help if we can.

Take care of you

Learning2Budget

NSD 9 achieved over the weekend. 3 more by the ensure of the month.....hmmm!

shezam

Didn't get another NSD over the weekend but today defo will be!

I'm claiming NSD 8 early so i'm not tempted to spend!

YAy! target met, might even get an extra tomorrow

Sx

Frodobaggins

Will try for no 15 today but don't think I'll make my second target of 16. Teenage boys in a house eat everything!

Knitting_Nora

Claiming NSD #11 yesterday...and that's it for me in November as the next couple of days are spends ones.

Still, 11 days without spending - who'd've thunk it.

Shall certainly be signing up for December!

Nora.x