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

QueenB.

Planning for a NSD today but early yet so keeping fingers crossed. Not intending to go out today as wet and miserable so me and my sons are having a fun day in. As for Bonfire night, we brought fireworks earlier in the week on a BOGOF offer so we will have our own little display. Easier that way as all the noise can really upset my autistic son. Plus i have home made all the treats including chocolate sweetie lollies:) yum.

((((((((((hugs))))))))))) NSDers, have a fabtastic bonfire night:j

rising_from_the_ashes

Brrrrrrr, it's a bit on the chilly side today - my feet are like ice blocks!:eek:

No NSD for me - waiting for an online grocery order to arrive... I usually count things bought online on the day I buy them but wait until the grocery ones arrive as the total is often different.


Was going to attempt to drive to the local shop :eek: as really need to move the poor car which has now been sitting for over 7 weeks - but have chickened out. Might try tomorrow:o

Cats were both out earlier & now in - I'm a bit reluctant to let them out again in case they go walkabout as there's bound to be loads of fireworks tonight so think they'll now be in until tomorrow (earplugs anyone? so I can block out the yeowling;)).

We're quite lucky here in that the fireworks don't go on for weeks on end like they did at my last place, but they do still seem to go on for at least a week:(.

If anyone's going to / having a fireworks "do" tonight - enjoy:D

jintyb

Good afternoon!




Claiming #2 please! Did our Costco run this morning and came in bang on budget so no overspend! (That's a first for me!) Got well stocked up on kitchen roll, loo roll, toothpaste, and a few other things that were on offer. If we are snowed in this winter at least we wont have any shortfall in the loo dept and we'll have lovely shiny teeth!

OH stumped up for the coffee and danish, so a good result for me!

No more spending today, in fact I have some bids already for my fleabay stuff so it's all good!

Enjoy your Saturday!

IF

Have a happy but safe November the 5th :dance:

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!

iwanttogoonholiday

making it 1nsd today - wooo hooo!

mf0u1098

Definitely not a NSD for me as I went to the market to buy sweeties (they do the BEST selection and I only get to go on a saturday). Later I'm going out for food with my family and same tomorrow with a friend so this weeked is definitely spendy. Tomorrow I'll go to Tesco (I hate supermarkets on a weekend!!!) but I need to buy in the food for this week so I can try and get another 5 NSDs Mon-Fri.

Anyway, have a lovely bonfire night everyone xxx

lotti379

Well I have to be honest, I bought crisps last night, so my NSD was blown for the sake of 60p. :mad: Silly lotti :mad:

Saturday is never an NSD for me, I do some household shopping after work at the market, and I also bought hair dye and vitamin tabs. Frustrating stuff.

Better do my surveys I suppose... they tire my eyes though, and my patience!

The_Dragon

Claiming another today, although I had to spend at the laundry I had accounted for this on Tuesday - the laundry is something that has to happen and so I don't class it as a spend unless I have to go to the cash point on the way there :eek:

So #4 and 4 in a row

emmalet

another one for me, so now 4 NSD

freebyfifty

Can't declare today, bought the shopping and some other bits (ciggies.....yes I know )

Back onto it tomorrow though