A ginormous jump into 2012 with the January NSD challenge

Butti

NSD no. 6

I would love to come and meet y'all but I'll only be able to do it if it's towards the end of the month AND I get my job in Scottieland. So you plan ahead and I'll fit in if I can.


B x

TwelveStopsThenHome

Donna my condolences about your father. (hugs) 11/15 nsds here.

Frodobaggins

NSD#12 for me today and declaring 4 in a row meeting my target.:j

bottleofred

Good evening folks,

Donna, I'm so sorry to hear of your loss.

NSD 16 for me today please

LittleMissHappy_2

Loads of NSD's rolling in today Well done to :


freebyfifty - well done for NSD 15 :j:j:j and 3 in a row :beer: fingers crossed that you got your last NSD today
flying_fresian - well done for NSD 11 & 12 :j:j:j I agree with Beanie that you should have an NSD, it’s only a penny after all!
*Mari* - well done for NSD 10 :j:j:j hopefully you are busy in a good way Great going, keep it up
wannabehermit - well done for NSD 8 :j:j:j good luck getting your final 2, you’ve got loads of the month left to get them
blindtoast - well done for NSD 9 :j:j:j not long until you get to test out your new skates! Enjoy!
greenanne - well done for NSD 11 :j:j:j hope you enjoyed the cinema, did you see anything good?
pinkfluffybabe - well done for NSD 10 :j:j:j enjoy your holidays
jaffacakegal - well done for NSD 10 :j:j:j great going, keep it up
iwanttogoonholiday - well done for NSD 12 :j:j:j great going, keep it up
Knitting Nora - well done for NSD 9 :j:j:j great going, keep it up
mfmaybe - well done for NSD 9 :j:j:j spoon will update you target to 14 next time she is on the thread
donna dynamo - well done for NSD 15 :j:j:j I’m so sorry about your FIL, that was very quick, glad OH has opened up now and you are closer again :grouphug:
rising - well done for NSD 10 :j:j:j would be lovely to meet everyone but I’m in East Anglia Maybe when I visit my Grannie in Livingston we can arrange another meet up
Kittikins - well done for NSD 12 :j:j:j great going, keep it up
Beanie - well done for NSD 16 :j:j:j great going, keep it up
jintyb - well done for NSD 10 :j:j:j loads of great news for you Really chuffed for you, you deserve it after the rubbish work put you through
yasmin2 - well done for NSD 7 :j:j:j great going, keep it up
fedupandskint - well done for NSD 9 :j:j:j I can’t see why you shouldn’t claim an NSD as you have already put the correct money to one side Enjoy your treat
Broomstick - well done for NSD 16 :j:j:j and target met :beer: spoon will update your target to 21 when she is next here x
JES_F1 - well done for NSD 13 :j:j:j great going, keep it up
wannabee_in_credit - well done for NSD 12 :j:j:j and target met :beer: and 4 in a row :beer: spoon will update your target to 15 next time she is on
BDINI - well done for NSD 11 :j:j:j I love days where I go home and get straight in my pjs
Butti - well done for NSD 6 :j:j:j great going, keep it up
Frodo - well done for NSD 12 :j:j:j and 4 in a row :beer:
bottleofred - well done for NSD 16 :j:j:j great going, have you got your kindle yet?

No NSD for me (again!) as I have done a Mr T shop but fingers crossed for tomorrow Sorry I haven't commented on everyones post, am really tired and want to get an early(ish!) night x

mooomin

rising_from_the_ashes wrote: »

Sorry weekdays are out for me due to being too far away to make it feasible with work .....

I could poss do a Sunday ..... dates are (have double checked;)) - 5th, 12th, 19th or 26th - any good for everyone?

Sundays suit me better as I do all my housework on a Saturday and if I don't do it then....I just don't do it

4th or 26th for me please. The 19th is the day before I get paid and I'll have no money :rotfl:

IF

Congratulations Spoony on your gold medal, love If...x

IF

Spoony, BDINI and LMH got my 13th NSD today xxx :A:A: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!

solventsoon

ifwisheswerehorses... wrote: »

Congratulations Spoony on your gold medal, love If...x

Awwww... thanks If... now I definitely know I talk too much :D:D:D

spoon xx