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

Frodobaggins

Today had proved to be a BIG spend day. I managed to pay for my flights to Melbourne in March to stay with my Dad, and I got them for nearly £500 less than I was expecting to pay. Absolutely skint now but well pleased.:j

pipersky

Hmmm.... did the same yesterday as the day before! Spent all day without spending anything then about half an hour before bed the 50% off toys M&S sale roped me in and I spent just over £15 ... ooooopsssss... Don't think I'm going to make my target now, it was quite ambitious - will aim for 15 instead

honey

Just checking in to declare NSD 6 and 7 please.

Hugs to all x

marmiterulesok

his_missus wrote: »

No more NSds to report. Bought some Xmas pressies yesterday
but DH forgot buy milk on last night :mad: so this morning I had to traipse to the corner shop for milk :mad::mad::mad: . So as today is not a NSD I think I might pop into town and do a bit more xmas shopping

You could maybe have some powdered milk in for when you run out?I don't buy anything else now TBH!I never run out of milk now,and because I make up what I need,it never goes off...

I've not had an NSD for a few days.Hopefully I'll manage one tomorrow.

rising how sad for you and your family.At least your dog is no longer suffering.

keiss21 hope the TENS helps and you're on the mend soon.

beanielou

Keiss~Hope you are on the mend soon xx
JInty~thanks for the fizz tip.
Sorry bout the STS.
Flying~I have a change tub that I raid for wee spends like a paper.
ie Today I bought an i for 20p but wont count it IYSWIM?

bottleofred

NSD13 for me today please:beer:

mooomin

beanielou wrote: »

Flying~I have a change tub that I raid for wee spends like a paper.
ie Today I bought an i for 20p but wont count it IYSWIM?

I'm swithering as to whether or not to make today a NSD to be honest.

I spent 40p on a paper that will save me £5 and sold £18.50 worth of cards today (I make my own) so seem to be in profit. Thoughts?!

zafiro1984

Hi,
Another NSD just had a count up and I think it's 10- :j:j:j

freebyfifty

Just checking in to say I got

NSD #12 today - woo hoo :T



I actually think I'm becoming obsessed with this whole NSD thing. I made a really pathetic excuse today to avoid going out for a coffee at lunchtime with a workmate

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!