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

mooomin

No additional NSDs to report here. I was so close to one yesterday but alas a bargain got the better of me :rotfl::rotfl:

bottleofred

Good morning folks,

I'm declaring NSD10 for yesterday:beer:
I doubt today will be and NSD as I'm hoping to finish xmas shopping.
I hope everyone has a good day.:)

freebyfifty

Having just returned from a weekend in London I can positively say that I am able to claim no NSD's for this weekend.;)
There won't be one today either as I have to go shopping, post parcels and get fuel
But I will catch up, hoping the rest of the week will be spend free.

Have a brilliant day x

shezam

Good morning everyone.

Not had anymore NSD's over the weekend but just thought i'd pop on to say i'll be hoping for a few more this week!
Well done all!
Sxxx

Igamogam

5 nsds bagged but not in a good way......... been ill_pale_,really ill. on the mend now:o

emiesq

Igamogam wrote: »

5 nsds bagged but not in a good way......... been ill_pale_,really ill. on the mend now:o

Glad you're feeling better....


Managed 2 over the weekend... Not sure why it's easier than weekdays. Prob because I'm not tempted to buy lunch.

mf0u1098

I've brought my sarnies in today and stocked up for the week from Tescos so shouldn't spend this week apart from when I take my best friend out for dinner on Wednesday and then there's her dads wake on Friday in a pub so I'm sure we'll need some drinks that day! And there is no way I'm allowing her to pay for anything this week given what she's giong through. I am so proud of how she's coped and still continues to cope.

IF

Morning all :hello:

IF

Ooops forgot to say Spoony got my 9th NSD yesterday, thank you xx :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!