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A ginormous jump into 2012 with the January NSD challenge

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  • Redouble
    Redouble Posts: 468 Forumite
    Today is a spendy day :)
    NSDs 7/20
    Make £10 a day £403.74/£310
  • Redouble
    Redouble Posts: 468 Forumite
    NSD Number 12 :D

    Tomorrow wont be a NSD as I need Baby Milk and Nappies (Unless you dont count vouchers as a spend?) xx

    If it hasn't cost me any money (ie the total is equal to or lea than the vouchers) then I personally do not count it as a spend :)
    NSDs 7/20
    Make £10 a day £403.74/£310
  • NSD Number 12 :D

    Tomorrow wont be a NSD as I need Baby Milk and Nappies (Unless you dont count vouchers as a spend?) xx

    I think that a lot of folk don't count vouchers as a spend.
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    NSD #7 and 2 in a row so far :D
  • Kittikins
    Kittikins Posts: 5,335 Forumite
    Part of the Furniture 1,000 Posts
    Yay, I resisted temptation at lunchtime, and took out 5 brand new lovely books from the library and had a good chat with the librarian instead :) So, I'm up to 8 NSDs for the month now. I think I need to up my target to 15 as otherwise once I hit 10, I might just think beggar it, and start spending and with my remaining cash for the month being so little, I mustn't!
  • kerri_gt
    kerri_gt Posts: 11,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    NSD 6 yesterday. Car dead, rubbish day so far at work. Things can only get better eh?! Hopefully friend got my L!dl cushelle for me as there's no way I can get there now:rotfl:

    JCG x

    I'd pick some up and drop them round to you but I'm South East I'm afraid :( Hopefully getting mine later - such excitement over toilet roll...and the thing is I still have 1 full pack from last time the offer ran :rotfl:
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


  • Hi all NSD 10 today:j:j. Target met can i please upto 15 as i think this acheiveable with the amount of days left in the month.
    #Sealed pot #085.
    1 debt versus 100 days £108.32/£300:j
    Debt Jan 2016 £6877.37. Aug £6155.56
    xmas saving £1 a day 274/366.
  • I received my exam results at 3am this morning and am too excited to go back to sleep - passed :)

    :j:j:jWell done & congratulations!:j:j:j

    Thanks for the link for the flask ...... I like the look of that one too!:o Will try the local shop that was closed yesterday at the weekend and if no joy will get one online! (I am another who hates the microwave queue - wonder if it's a Scottish thing? Or even a Lothians thing?)

    TwelveSteps hope you're feeling better& Spoon (think I've forgotten someone:o so sorry) .... Lotti more hugs & JCG too ..... If I did enjoy the group hug ...... (and no, not just 'cos Eeyore's in it!):D

    Kezlou are you sure it's not a tiger you've got living in your house? A table and the loo seat:eek:

    Well, very glad it's nearly the weekend - just realised today that it's :shhh: Friday 13th tomorrow:eek: ......

    No 7 today
    so quite pleased .... not doing very well on the "in a row" mini-challenge I set myself this month tho'!
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    2ym65q8.gif

    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 wink2.gif
    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 sport-smiley-003.gif & have been l-o-n-g time Nsders so don't panic :p
    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 :D
    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 action-smiley-076.gif
    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 :D

    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 :D The only thing to be aware of is Hubert the donkey who is partial to anything remotely edible but is not yet house-trained :o

    And Remember;
    there are no silly questions, so don't be afraid to ask us anything!
    "If wishes were horses, then beggars would ride"
  • zafiro1984
    zafiro1984 Posts: 2,529 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    yasmin2 wrote: »
    One of the bonuses of this challenge (as well as not spending money) is using up all the items that are in my house.. So rather than going out shopping at the moment as I normally would..I am finding that I am using the stuff that I already have.. so am using up the toiletries in my bathroom and all the food in my freezer and kitchen cupboards... becoming clutter free in the process :j:j

    I too are trying to use up items in the house, I think it would take me a year to eat through the contents of the freezers, but I need to make great inroads into them because there will be vegs and fruit to freeze this summer.

    'Clutter Free' fabulous aim, I'm decluttering and putting loads on eBay - never done it before this year so I'm a newbie at it, and I've over 40 years stuff to go through - the house is in such a mess with piles of eBay items to be listed, descriptions to be written not to mention all the packing I've done so it's all ready for the PO. When I've finished my stuff I'll start on my DH's stuff - he doesn't know that yet!!!

    Anyway I digress,

    Today is another NSD that makes 8 so far this month
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