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

steerpiker

I'd like to join this month's challenge I am going to go for 16 no-spend days. :j

pipersky

Spendy day today Used vouchers for free coffee at garden centre with sis and coupon for BOGOF cream scone, but a very nice cream tea for two cost £2.95 Then I came home and some leather boots on sale slipped into my basket while 'window shopping' Office's online sale... went to my basket, confused as to how the bargain-acious boots had got there when my fingers did a funny little tap dance on the keyboard (think it was a nervous twitch) and saw that the boots were now bought oh well...

steerpiker

Bought all my food on Saturday & did some online Xmas shopping on Sunday, so I was all ready for the November NSD challenge. Tuesday 1st - £6 Zumba, poppy - change in purse; Saturday - out with the girls. Pizza Hut - meal deal, £8 each, happy hour Jack Daniels & Cokes - £8 (for 2) - ticket for gig bought last month. So, so far, 4 NSD's (3 of them in a row). I'll be buying my Weight-To-Go meal packs today, then that will mean I shouldn't be buying any food for the rest of the week!
So
4 - NSD (3 in a row)

jaffacakegal

rising_from_the_ashes wrote: »

You've got me thinking about car names now - all mine have been named and I think it's either something you always have done/will do ... or you think it's nuts that people do it!:)

All my cars have been named - Hatty, Maggie and now Patricia the Peugeot!

(((hugs))) to people with pet problems. I don't have any - I can barely afford the time or money to take care of myself!

Well since I last post I've got 3 NSDs Thurs Sat and Sun! Had a very productive weekend cleaning etc! First (nearly) free weekend I've had in a long time so made the most of it!

JCG x

solventsoon

rising_from_the_ashes wrote: »

Thanks:D yup, Teeny's my car - she's an I10 and is fab:D... does around 47mpg, costs £30/year road tax and the servicing costs are less than 1/2 my old car. I honestly don't notice the difference in power at all (probably as she's so small and much lighter) but was a bit worried she was too small when I got her ... but there's enough room for the dog on the backseat so that's all that really matters!

You've got me thinking about car names now - all mine have been named and I think it's either something you always have done/will do ... or you think it's nuts that people do it!:)

Nope, not nuts at all rising, my cars all have names too - my Clio is called Caroline. Teeny sounds great:D


A quick welcome to our latest newbie - jodie114. It's never too late to join here. LittleMissHappy will be along later to welcome you officially and I'll add you to the front page tomorrow.

And a quick welcome back to steerpiker, good to see you again.

Got to go now, back to work:(

mooomin

jaffacakegal wrote: »

All my cars have been named - Hatty, Maggie and now Patricia the Peugeot!

Mine is Fred The Fiat, he's a Fiat 500 and I love him

I was debt-free until I fell for Fred, now I'm working to pay off the loan I got to get him :rotfl:

zafiro1984

I have to go out to the cash machine, if I don't spend any on the way home I'll be on my NSD no 3. I may have to drive a slightly different way to the cash machine to avoid seeing the fish and chip shop, and chinese takeaways - so tempting as I been busy all day and the last thing I want to do is cook but my OH gets hungry about 7.30pm.

Names of cars, I call my landrover Bessie but my OH calls her 'mobile skip' - don't ask!!!

Failed on the NSD

beanielou

flying_fresian wrote: »

Mine is Fred The Fiat, he's a Fiat 500 and I love him

I was debt-free until I fell for Fred, now I'm working to pay off the loan I got to get him :rotfl:

Not as much as I love my I.Q.:p:rotfl:
Still not named though as cant get a name to click IYSWIM.

IF

Evening all :hello:

Spoony got my 5th NSD today, thank you xx

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!