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

solventsoon

Hi lovely gang:A

And here is a Wednesday’s update, lots of NSDs being nabbed today:T:T:T:T


And well done to everyone for nabbing those lovely NSDs

:j:j:jpositivelypurple - no 4 nabbed, that’s fantastic!
Sorry you’re feeling poorly, hope you’re all on the mend soon xx

:j:j:jjinty - no 4 nabbed, that’s fantastic!
Hope your car was returned in a pristine condition and they didn’t keep you waiting too long x

:j:j:jchris81418 - no 6 for you, that’s brilliant, keep going!

:j:j:jblindtoast - no 5 safely bagged now, that’s brilliant!
I love your name, btw

:j:j:jIgamogam - no 3 for you, you’re on a roll!

:j:j:jelfen - no 5 safely bagged now, that’s brilliant!

:j:j:jmarmite - and no 6 for you, that’s fantastic, keep going!

:j:j:jzafiro1984 - no 4 nabbed, that’s fantastic!

:j:j:jJCG - andno 4 nabbed for you as well, that’s fantastic!
Oh dear, sorry Patricia has a more voracious appetite than Maggie, that’s not good

:j:j:jsf - and no 6 for you, that’s fantastic, keep going!

:j:j:jFrodo - nos 3, 4 and 5 safely bagged now, that’s brilliant!

:j:j:jdonna dynamo - no 3 for you, you’re on a roll!

:j:j:jRed - and no 7 in the bag for you, that’s fantastic, keep going!

:j:j:jTwelveStopsThenHome - no 4 nabbed, that’s fantastic! And yay to 4 in a row as well!

:j:j:jjodie114 - no 4 nabbed, that’s fantastic!

:j:j:jBDINI - and no 7 in the bag for you, that’s fantastic, keep going!
Fingers crossed for a new (and lovely) tenant soon xx

:j:j:jButti - no 3 for you, you’re on a roll!

:j:j:jgreenanne - and no 6 for you, that’s fantastic, keep going!

:j:j:jIf - you were on 5 on Monday, you didn’t declare anything for Tuesday, so you should be on 6 today unless you got one on Tuesday in which case you’re on 7. Either way... woohoooooo!!!!! And keep going!!

:j:j:jKnitting Nora - no 3 for you, you’re on a roll!


And hello to:

shezam - OK..... let’s just start by saying you are NOT rubbish... that word and the “f” word are not allowed here. You have already got 2 out of your 8 NSDs, so are a quarter of the way towards your target... think positive. Life (and Christmas) sometimes just get in the way of our best intentions. You can do it xx:A

jodie114 - ooohhh..... one of our rules here is that the “f” word (fail) is not allowed - we don’t “fail” here.. we just sometimes don’t quite get there. You got some bargains there, so that’s definitely allowed.:T
Re the meal out, it depends on your own rules, if you’ve already budgetted for it I would say class as an NSD x



And I have been an exceptionally good Spoony (well, except for today:o) so no 6 for me:j:j

I think I'll update the front page tomorrow, hope that's not going to confuse you all.

'night everyone
spoon xx

chris81418

Good morning everyone! :wave:

Popping to report that I caught NSD number 7 yesterday! :j

kerri - I've got my fingers crossed that someone hands in your mother's keys to the police station.

Have a good day everyone!

freebyfifty

Good Morning everybody,

Yesterday was NSD #8 for me yesterday :j
I am feeling much better today though so will probably be out and about spending money

mooomin

solventsoon wrote: »

:j:j:jflying_fresian - no 2 in the bag for you... yay!
Like the idea of the photoframes, let us know how you get on, please

Not too well as I think the frame had been treated with something - all the paint flaked off :rotfl::rotfl: Back to Poundland for me sometime soon methinks

Today was meant to be a NSD but an unplanned trip to Glasgow is happening after work and I don't know if I will be able to resist the magic of Primark

jintyb

solventsoon wrote: »

:j:j:jjinty - no 4 nabbed, that’s fantastic!
Hope your car was returned in a pristine condition and they didn’t keep you waiting too long x

Re the car - I'm :mad::mad::mad: today!

It was duly returned yesterday, the guy put it into the drive, looking lovely and everything tickety-boo!
Got into it to go to zumba last night and it wouldnt "bleep-bleep" start! Its not the battery as the lights and radio are working, OH thinks its a loose connection somewhere.
I phoned the insurance last night so they will get in touch with the garage.
I'm panicking in case the garage wont accept liability as I signed for the repairs yesterday. However, I didnt think to check the actual engine as it was running fine before they took it for repair.
They courtesy car was uplifted yesterday so my lovely OH has kindly taken the bus to work and left me dear old Bertha to get to WW this morning and I am going to visit my pal who is in hospital in Beanie-land this afternoon.
Sorry for the ramble but I am really stressed with the whole car issue - esp when none of it was my fault!
Will just have to see what happens when I get in touch with the insurance this morning.

Kerri - it must be something in the air ATM re cars - 1 feel your Mum's pain, hope she gets things sorted!

On the upside - I won a tenner on the lottery last night woo-hoo!:j


Anyhoo, today wont be a NSD as I will be buying some sweets and mags to take to my chum, she's had a major op and is climbing the wall in hosp, so it will be good to see her!

Enough of my rambling - I feel better getting that off my chest!

Have a lovely day everyone ( and that includes me!;)):):)

shezam

Thank you for the positive words Solvent!

I got number 3 yesterday! Yipeee

Today has already been a spendy as had to get petrol first thing this morning, but think I will get stuff for tomorrow nights tea tonight so I don't spend tomorrow!

I love updating my sig.

Happy Thursday all!
Sxxxx

beanielou

Oh Jinty so sorry about the car problem
Next time you are in beanieland we could maybe meet up?
Take it you are going to either P or D?
Hope it all works out ok in the end xx

Had a lovely Chinese with the girls last night and a nice wee glass of wine.
a NSD too as I dident pay!!
So no 6 for me I think.

kerri_gt

Thanks for all your lovely wishes about my mum's car keys. While I was waiting for the AA to call this morning I took a trip into town to ask around the shops she'd been into yestersday. They had been handed in at shop #4 :j:j :j Apparently they had stayed open a bit later last night thinking my mum would have come back but we obviously didn't realise that and I think by the time we were retracing her steps they were deff closed. Anyway, no need for locksmith to be called out and one very happy mummy reunited with her keys (there was a bit of a sentimental attachment to her house key too so she was doubly upset). :j:j

Jinty - sorry to hear all is not well in car land for you, I'm sending positive karma :A

flying_freisan - have fun in Primarni later, don't worry, I left some things for you after visiting both stores in Glasga at the weekend

Gotta run...byyyeeeeee x

jintyb

beanielou wrote: »

Oh Jinty so sorry about the car problem
Next time you are in beanieland we could maybe meet up?
Take it you are going to either P or D?
Hope it all works out ok in the end xx

Had a lovely Chinese with the girls last night and a nice wee glass of wine.
a NSD too as I dident pay!!
So no 6 for me I think.

Aww, thanks Beanie! The latest is that the manager of the garage is coming out with a mechanic to check it out. I am hopeful as he couldnt have been nicer on the phone;)

That would be great to meet up Beanie - today I am off to Queen Mgt Hosp in Dunf. Next time I'll PM you - likewise if you are over visiting Mr Lucas for a low calorie cone LOL!:rotfl:
Glad you enjoyed your chinese - even sweeter when you didnt have to pay!
I lost a pound today at WW - 24 off now! If I hadnt lost today I was going straight back under the duvet after throwing my toys out the pram. Thankfully, everyone was spared a Jinty tantrum!:rotfl::rotfl:

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!