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

jaffacakegal

(((Big hugs))) Rising thats awful for you xxx

I nabbed NSD 8 yesterday. Thinking today should be another - going to be confident and declare it now so I've no choice in the matter so thats 9 NSDs in total

Tomorrow hmmm well I apparently have a 30% off dotty p's voucher at my mum and dads so may have to be a spend! I am severely lacking in clothes that fit me still so any opportunity of a discount and I grab it!

JCG x

kerri_dfw

I've just had my first ever official no spend day yay! I'm going to do a target next month, just happy with this month whoop whoop

zafiro1984

Sorry to hear about your loss Rising, Even when you are in the trade - so to speak - it's hard when you lose what is a member of the family.

NSD no 9/12

LondonGirl252

NSD 3 Please

fedupandskint

A rather plodding number 4 NSD (today and yesterday). Aiming for another one tomorrow too

donna_dynamo

Hi all managed an NSD yesterday which now makes my total 7 NSDS. Felt a bit down yesterday as i was very tired so everybody got it in the neck.

ModestyB

Rising, I'm so sorry for your loss. It's heartbreaking to lose a member of family, which a pet is, especially when it comes so suddenly. My heart goes out to you and Frodo and all who've lost their pets.

ms_night_ryder

WOOHOOO 4th NSD today, i'mso happy only realised this morning that i hadnt spent anything as i brought my lunch with me and breakfast was porridge i keep at work anyway, i did post something at lunch but that was paid for business money and then my friend transferred money to me, but i didnt use it, so just put it back in his account.

Doing promo work in tessies tomorrow 3 stores, dunno if i can resist a really good whoopsie!:p

IF

Evening all :hello:

Spoony got my 10th NSD today, 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!