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

mf0u1098

Got my 3rd NSD yesterday so trying for my 4th (4 in a row) today. I have brought my sandwiches in today although the bread was not very fresh. I ignored the bacon butty run this morning (also helps my waistline as the xmas do has been moved forward by 3 weeks giving me just 4 weeks to hit my target!!!!)

Thought I was going to have a spend day though as I always have a takeaway on a Friday but my parents are paying!!! YEAH!!! Will just have a fish though (I don't eat the batter as it tastes too fatty for me) and a few chips then go for an uber long walk later.

Anyway, good luck on hitting your NSD targets everyone and have a lovely Friday! x

QueenB.

ifwisheswerehorses... wrote: »

Morning all :hello:

Hope your all doing the Friday ~ Wiggle ~ :dance:

LOL that wiggle will help me work off my morning biccie:D

Spendy day today:( as i had to buy my monthly bus ticket £42:eek:but it saves me money in the long run.

Have a fab friday NSDers:j

his_missus

Was hoping for a third NSD but DH needed to fill car up this morning, the orange light has been glaring at us for the last two days, think we drove to the garage on fumes this morning. THis came out of my budget.
DH also needs to buy new tyres at lunchtime but he's paying for them.
Tomorrow I need to get my hair cut and we're off to a firework display so that won't be a NSD.
We're going away Sun and Mon night, all inclusive hotel deal so hopefully there'll be no need to spend anything there. However, Tues we're off to Cadbury's World (using Mr T's days out vouchers) will have to buy lots of chocs.

So, hopefully when I pop back on on Wed morn, I should be able to add 2 NSDs to my total, fingers crossed.

Good luck to everyone xxx

Nargleblast

A flying visit from me (sitting at a PC in the local library) to say I am off the mark finally with 1 NSD!

I will be conspicuous by my absence for a while as firstly, I am up to my eyeballs in academic work (aiming to finish my degree by next summer whilst working full time and doing the usual home and family stuff as well - just call me Superwoman) and secondly there have been strange things happening on our home PC which seem to occur straight after I have visited this site. We get problems with starting up the computer the next day, and we get odd emails, from things like dating services for the over fifties, or offers of the chance to claim a prize worth loadsadosh by clicking on a link....naturally, I follow the school of thought that if I did not enter in for a competition then chances are I won't have won anything, so I don't fall for that one.

These things don't happen after OH has been on ebay, or I've been on my bank site or university site, it seems to be something to do with MSE that attracts the scammers and loonies to our PC. Therefore I am limiting the times I access MSE from the home PC and keeping my visits brief to see if there really is a connection.

So, panic ye not if I vanish for a while, or just pay brief transitory visits now and then. Hopefully it will sort itslef all out, but in the meantime keep up the good work with the NSDs and I will check in at some point in the not too distant future to let you know how I am doing with my target. Hopefully better than in previous months!

Nargleblast

Just thought - I have probably diverted all the aforementioned scammers and loonies to our local library site. Ooops! There goes the taxpayers' money again!

Butti

Does your filter need upgrading Nargle so all these things end up in your junk folder along with the 'Hello Dear' and 'Bank of Nigeria' emails?

I am in the library and just printed off four sheets forgetting I am trying for an NSD today. Lost for the sake of 40p! :mad:
On the plus side, taken the library book back and NO FINE!

I'm about to do the opposite of you. Need to pay a subscription if I want to ask more than 10 questions on survey monkey so going to do that on my home PC!


B

blindtoast

ollieandme wrote: »

Not sure how today is going to go, off to concert with Blindtoast tonight :rotfl: (cant wait) but will try to be controlled with the pennies!

:j:j

Got my NSD #3 yesterday after watching a film at home instead of going out! As with Ollieandme my NSD today will depend on whether i buy anything at the concert tonight but I am pleased to announce I have resisted chips today :T

Sarahlou51

NSD 3 for yesterday please!

today will be a spend day tho, but im please with what iv acheived so far!!

x

IF

Afternoony all :hello:

Declaring early Spoony3rd NSD thank you xx


Still wigglin'

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!