A ginormous jump into 2012 with the January NSD challenge

solventsoon

QueenB. wrote: »

Thursday and Friday not NSDs but knew that any way hopefully Saturday and Sunday will be as DS1 is ill so can't see me leaving the house this weekend.

I hope DS1 gets better soon QueenB x

QueenB. wrote: »

Jinty & Spoony congrats:T

Thank you x

QueenB. wrote: »

Have a fab Saturday fellow NSDers:)

And I hope you manage to get some time to yourself today x

camuk81

Stick me down for another NSD yesterday! Getting there slowly but surely!

oldtractor

NSD 17 and 5 in a row go me!:T:T:T

LittleMissHappy_2

Today is NSD 8 :j:j:j DH wanted us to go to a sub xpress but I told him I would make lunch so money saved there (prob still would have been an NSD as I would have made him pay!):money:

Thanks all for your lovely kind words I am doing a degree in psychology and really enjoying it but did kind of know I hadn't put my all into the assignment....it has really made me realise how important it is to me though, so it's not all bad!

beanielou

Happy shiney new medal Spoony

today is no 18.
Getting very windy here.
Hope there is no more damage :eek:

kerri_dfw

10 NSDs for me this month that was my target, I'm going by anything not spent from a budget until I get better with finances.
Setting myself 11 NSDs for next month

freebyfifty

LittleMissHappy wrote: »

Today is NSD 8 :j:j:j DH wanted us to go to a sub xpress but I told him I would make lunch so money saved there (prob still would have been an NSD as I would have made him pay!):money:

Thanks all for your lovely kind words I am doing a degree in psychology and really enjoying it but did kind of know I hadn't put my all into the assignment....it has really made me realise how important it is to me though, so it's not all bad!

I feel your TMA pain, I'm in the middle of a little 15 point introduction to psychology to earn me some points and am about to embark on a Level two course, trying to get a Social Work degree but it's not easy is it???

LittleMissHappy_2

freebyfifty wrote: »

I feel your TMA pain, I'm in the middle of a little 15 point introduction to psychology to earn me some points and am about to embark on a Level two course, trying to get a Social Work degree but it's not easy is it???

No, it's not But it will be worth it in the end, so we'll just have to keep plugging at it! :T

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!

IF

Afternoon all, hope your having a lovely Saturday.......windy here too!! :eek: