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

solventsoon

suzitiger wrote: »

Hi guys,
Oh I have MISSED this thread so much. I keep forgetting to come on here as I have been stupidly busy!! Will you take me back please? I need the support of the NSDs so that I have money for Xmas and beyond. I will aim for 10 NSDs This Month please, starting with #1 today, yaaay. looking forward to being back on the fun wagon

Hi suzi, yes of course we'll have you back, lovely to see you again:).

I'll sign you up this everning when I do the update, welcome back

spoon xx

Vickyb1903 wrote: »

Hi everyone,

Am I too late to join in?

Hi Vicky, it's never too late to join us, you'd be very welcome if you'd like to take the plunge. All you need to do is post the number of NSDs you'd like to grab this month, pull up a chair and make yourself at home.

Good luck, look forward to seeing you around.

spoon xx


And good morning to everyone else, what a beautiful day:j:j:j:j.

I'll be back later with the update from yesterday and today.

Have a lovely day.

spoon xx

The_Dragon

Not going out today and not spending on-line so claiming #5 and 5 in a row!

bottleofred

Good afternoon folks from a cold, but dry NI:T
I was out for dinner last night, so have a hangover and a spend day from yesterday:mad: I don't intend going out today though, so am declaring NSD4 for today please:beer:
I hope everyone enjoys the rest of the weekend:)

elfen

NSD no 3 for me please

myteeduck

Hey all

I'm making claim for NSD number 5 For today!!!

I'm refusing to go out and I refuse to open the Internet for shopping purposes! I have £10.50 to last the rest of the month and I'm determined to do it! I've cleared on of my credit cards this month and one store card. I have one credit card left of £1594 to clear and it will be paid before March at the latest (0% interest free). I want to clear it sooner so I'm determined to throw extra pennies at it until then.

Hope everyone is having a lovely Sunday x

Sarahlou51

Hi Everyone!

Hope you are all enjoying the sunny weather. yesterday was a spend day as bonfire cost £3 each to get in!!! and today i popped to Mr T's as fancied doing to baking, so have baked Banana Bread and some Brownies, will take with me to work tomorrow as a treat for my team - Mondays always stressful / busy and tiring so think they would appreicate

Have also got things for lunch this week so im not spending in the work canteen.

Well done to all so far!

xx

freshair_2

Hi All,

Hope you are having a good weekend, my weekend has and will be a NSD weekend! It helps having a neurotic dog, couldn't go out last night so all helped with the money saving, have to say though I did find tv very dull,

So I am now up to 3 NSD out of 15, the ratio is looking good for the rest of the month fingers and toes crossed

LondonGirl252

Urgh I'm still stuck on 1!!! Tomorrow this WILL change!!!

IF

Afternoon all :hello:

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!