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

rising_from_the_ashes

Thanks ...... I must sort out those survey sites - they fell by the wayside this week but it would be great to use to get some more books!

I've ordered a cover for the Kindle so once it comes, I can see it coming to the beech with me (might feel a bit less silly sitting reading, rather than just sitting IYKWIM) but a bit worried about taking it out "without protection" atm.

OK, off to sort out survey sites now ... (can you feel the sense of relief that I've got something to occupy myself with!).

ms_night_ryder

My 5th NSD yesterday! just 5 to go, will be one today, although i do need to buy my bus pass, that has been budgeted for, could buy it tomorrow morning we shall see.

kerri_gt

rising_from_the_ashes wrote: »

Thanks ...... I must sort out those survey sites - they fell by the wayside this week but it would be great to use to get some more books!

I've ordered a cover for the Kindle so once it comes, I can see it coming to the beech with me (might feel a bit less silly sitting reading, rather than just sitting IYKWIM) but a bit worried about taking it out "without protection" atm.

OK, off to sort out survey sites now ... (can you feel the sense of relief that I've got something to occupy myself with!).

Before I got a cover for mine, I had a business trip to the USA (the one where I got stuck there due to the plane having mechanical issues etc) nearly didn' take me Kindle as I didn't have a cover but SO glad I did. In the end I took it wrapped in a bit of bubble wrap just to protect it from knocks and scratches. If you've got a right sized jiffy bag knocking about the place that should do the trick until you get your cover.

fedupandskint

NSD 5 for me today

Had a real financial shock at the end of last week. In a bad way too. Really will knuckle down to gather in the rest of NSDs for Nov. I have my uni money out ready to go tomorrow and 4pt milk money too then no more spends this week until 28th when its payday so I should be on 12 NSD by next Sunday

That is MOT day, I'm drawing out petrol money and food money and a small amount of personal spends then not touching the account to try and get it back into shape again. I was going to buy a new bag for the work Christmas do, not bothering now and will use one I already own alongside everything else - make up and jewellry. Have to see if I can spare some cash to go out with first.

bottleofred

Good afternoon folks,

As I'm not going out today, I am declaring NSD16:beer:

rising_from_the_ashes

kerri_gt wrote: »

Before I got a cover for mine, I had a business trip to the USA (the one where I got stuck there due to the plane having mechanical issues etc) nearly didn' take me Kindle as I didn't have a cover but SO glad I did. In the end I took it wrapped in a bit of bubble wrap just to protect it from knocks and scratches. If you've got a right sized jiffy bag knocking about the place that should do the trick until you get your cover.

Kerri :T just been upstairs and trawled through the many jiffy bags I've got (I always keep them) and have found one that will do the trick nicely!

Sarahlou51

Afternoon everyone,

Im popping in to claim NSD 10 for yesterday, its quite easy not to spend when you have not got transport and live in the middle of no where, although do have the threat of the internet but yesterday i was good - infact did all my cleaning and settled down with a jig saw puzzle 1000 peices, its irritating me know though as can find 1 corner peice grrr..

Just brought OH xmas pressie online as today was a spend day anyway, milk bread, lunch for work etc.. its also his b,day on the 6th so December is very expensive for me... although have aleady got his bday pressie so feel quite organised and on top of things...

one thing im not on top of is my car... (not happy) for gearbox and wheel baring £860 - wasnt expecting that ata ll :-( guttered. That goes into the garage Tuesday :-(

cars - who'd have em!

Right im off.. hope all of you are enjoying ur cold and foggy Sunday!!

xx

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!

suzitiger

oh nooo sarahlou that its cold and foggy where you are. Its been lovely near me, which means butdoinnedit that I have got all my bulbs planted, hoooray!

wouldbequalitymoneysaver- how much was ur airer from l*keland? I have the same problem in my house and need a good quality airer to dry my things on. ooh and havr you tried cranks or covent garden cookbooks for ur gormet veggie cookbook? they might be good

zafiro1984

Going to declare a NSD today that makes my target, but having said that it was a guess as this is my first month of NSD challenge. Must put in for a further 4 for December but then again its coming up Christmastime. Going dark and foggy here must go and groom the school as OH has been busy all day playing with the four legged beasts and he has offered to put the chickens to bed (mind you he is the one who has dug a trench infront of three of their houses as he's putting in lighting for them), the ground is very slippy and I don't want to fall over.
Tea is 'leftovers out of the freezer' steak and kidney with dumplings - hope they defrost ok
icecream looks good for afters.

Have a lovely evening

:beer:NSD NO 12, target met :beer: