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

SillyBlondie

NSDs for yesterday and today please, taking me to 12.

ModestyB

I ALMOST got an NSD today but suddenly remembered a birthday card I had to buy. So, for a measly 69p, ( it was only an ordinary card ) I lost out! Lol!

Big hugs to all in pain, physical and emotional. :grouphug:

freshair_2

Yipee 6 for me today, packed lunch n all today :j

mf0u1098

Big hugs rising, it's devastating to lose your companion xxx


Gutted as yesterday the bread was mouldy so had to buy lunch losing out on a NSD by £1.90. Today I went to make my sandwiches (bought bread yesterday) to find the family had used up all the butter so AGAIN had to buy my lunch losing another NSD for another measly £1.90. Tomorrow I'm at a funeral so will be buying my best friend (it's her dads funeral) a lot of drinks as requested so a spendy day for me. There is a craft fair on Saturday that I'm going to check out and then Sunday is my weekly meal out with a friend!

On Sunday I am clearing out a cupboard just for me and a shelf in the fridge so that the gremlins in my family don't keep losing me NSDs...! xxx

slowlyfading

Number 12 for me today

butdoineedit?

(((((((((((((((big hugs)))))))))))))) Rising, the "firsts" are bound to be difficult, just give yourself as much time as you need & never ever feel you have to apologise for how you feel x

More ((((((((((((((((big hugs)))))))))))))))) for Keiss, glad the op went well & hope the tens machine is working & you are feeling a bit more comfortable now x

Unlucky for some number 13 for me today :j

Am feeling slightly bruised due to a minor tumble down the stairs earlier, good job i had plenty of padding to cushion my fall, however please don't feel sorry for me, it only happened as like an idiot i was trying to read the really good bit in my library book & walk down the stairs at the same time - IDIOT!!

IF

Big group hug from us all Rising xxx

LittleMissHappy_2

chris81418 - well done for NSD 11 :j:j:j - wow, you were up early (or late )
freebyfifty - well done for NSD 11 and 12 :j:j:j - you were up early too!!!
jintyb - well done for NSD 9 :j:j:j - you had a busy morning jinty, hope th WW meeting went well .....I see it didn’t go as well as it could have - at least you didn’t put any weight on x
chezabelle - well done for NSD 6 :j:j:j - you’re doing really well
shezam - well done for NSD 4 :j:j:j - you can do it shezam
Keiss - well done for NSD 10 :j:j:j - hope the tens sorted out the pain and good to see you back after your op x
wannabehermit - well done for NSD 2 :j:j:j - keep it up, you can do it
blindtoast - well done for NSD 7 :j:j:j - I love xmas shows I hardly ever go to them though as I would spend wayyyyyy too much!!! :D
Sarahlou51 - well done for NSD 8 :j:j:j - bad news about your car Hope it gets sorted soon x
Honey - well done for NSD’s 6 & 7 :j:j:j - over halfway there now
bottleofred - well done for NSD 13 :j:j:j - that’s great Keep it up (can you nab a couple for me, too? I am seriously lagging )
zafiro1984 - well done for NSD 10 :j:j:j - keep it up, you’re doing great!
elfen - well done for NSD 8 :j:j:j - hope your job is going well x
flying_fresian - well done for NSD 7 :j:j:j - well done on your profit making too
rising - well done for NSD’s 9 & 10 :j:j:j - I really feel for you x Glad you found a little peace at one of ‘your’ places today
LondonGirl252 - well done for NSD 4 :j:j:j - only 6 more to go
Knitting Nora - well done for NSD 8 :j:j:j - only 2 more to go You can do it!
SillyBlondie - well done for NSD 12 :j:j:j - 3 left..not long to go now
freshair - well done for NSD 6 :j:j:j - love your avatar!
slowlyfading - well done for NSD 12 :j:j:j - keep it up x
BDINI - well done for NSD 13 :j:j:j - (((hugs))) for the silly potential tenant falling through and your fall down the stairs (something I have also done in the past ) x

No NSD for me today - I had a Mr T shop delivered.

I got my results for my first assignment on my new course today and I did really well so very chuffed with myself! Think I'm coming down with a cold though so I'm going to dose myself up with medicine and head to bed x

IF

Thanks for the update LMH and sorry to hear your getting a cold, hope it goes soon. xx

If...x

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!