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

myteeduck

Heyo guys!
I at 4 NSDs now. Today isn't because of the haircut and colour!
I was amazed - £44 for a colour strip, full new colour and cut! I used to pay £50+ for a trim at my old salon because I have long think hair - so to get everything for £44 is amazing! Its been my most expensive one as next time I will only need roots and a trim!
Going out tonight but I won't be paying - my friend will - my contribution is the driving!
Ooh it's getting dark now and soon the fireworks will be starting- need to find the ear defenders for the yorkie - she hates this night!
Hope everyone has a great evening! X

zafiro1984

First month on this challenge, my first NSD, and it's a Saturday.

Fireworks have started already, all animals are safely away except for the alpacas and couple of foals along with their mums so it should be ok, I'll get my OH to have a look later probably around 11pm to make sure they're ok.

In the storm a couple of nights ago one of the Jack's (when I let them out at bedtime) shot off when it thundered. I waited about an hour, just hoping he would come back, before I went to look. It was after 3am when I found him about half a mile away. He was so dirty I had to stick him in the shower - hairdryer to dry him, before his red pyjamas as he gets quite cold some nights. Husband was not amused when I finally climbed the stairs at 4am.

LittleMissHappy_2

:wave:

Hello No NSD for me today as I have been shopping again I have also been doing lots of xmassey things the last few days! I do love xmas :xmassmile

IF

LittleMissHappy wrote: »

:wave:
I do love xmas :xmassmile

Me too LMH

ModestyB

Not an NSD for me today, DD had ordered a new coat for me to be collected from town so there was bus fare to pay. Can't wait till I'm old enough for a free bus pass, if they still do them then. Lol! At least we had 10% off the coat thanks to her student discount.
Thought I may as well buy what else we need while we're spending. Had a very nice meal out too!
Well done to everyone for all their NSD's so far. Watch out! I'm going to catch you up!

Hugs to all.

toottifrootti

oh the shame of it :eek::eek:- I have only just got my 1st NSD today - thats poor for me - what on earth is going on - I must try harder:rotfl: I blame the Christmas shopping - I am enjoying it too much:D:rotfl:

pipersky

Hello :hello:

I joined a while back and then got distracted for a few months... maybe a year?

Anyway, I would love to rejoin but I am going to come at it from my own angle. As I already do the Grocery Challenge I'm going to class the first day of the month as a 'spend' day where I take out all the money I intend to spend on groceries for the month, then days when I buy ONLY proper groceries (not buy-a-treat-and-pretend-its-groceries-to-save-a-no-spend-day:cool:) I will class as a no spend day. When the grocery money is gone any further money spent on groceries will be classed as a spend day. I think that sounds a lot more complicated than it is in my head! Eeeep! Other than that and DD's everything else will count

I hope I've made sense and not confused everyone!

Bearing the above in mind (if you managed to get through it ) I'm going to aim high for 20 NSD's Go me!

Good luck everyone

ms_night_ryder

Declaring NSD 2 :jTODAY YAY ME! will be spendy day tomorrow, need to buy a new kitchen bin have been putting it off for a few days and will do my online h&b order for vitamins, buy my weekly bus pass and try and cram in anything else i need then, so monday can also be a nsd hopefully!

IF

Evening all :hello:




Spoony got my 4th NSD today, thank you x :A

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!