A ginormous jump into 2012 with the January NSD challenge

silvasava

CW18 - Congratulations - Aimee looks 'a lovely lump of cuddle' as my Gran would have said!

NSD 10 today Managed 1 on Sunday and the other today - only becuase its been p**ing all day so havn't been out the front door! No chance of me seeing the Northern Lights:rotfl:

slowlyfading

CW - congrats :j :j

NSD 13 for me today

marmiterulesok

Small spend day for me today.I should get one tomorrow though.

cw18 she's gorgeous,congratulations to all.I can't get to exclamation mark as the cat's lying asleep on my left arm...

rising good luck for tomorrow

Have a good evening all.

TwelveStopsThenHome

Congrats to you cw18

16 NSDs here....payday tomorrow (finally!)

IF

Cheryl I'm so pleased, here's to being a Grandma :beer:

wannabee_in_credit

Congratulations to you Cheryl. My mum insists it's far more fun being a granny than a mummy. All the fun stuff and none of the rubbish. Enjoy - they grow so quickly - she's beautiful.
I've managed nsd #15 and am thrilled to have reached my second target. I'm going to stick my neck out and try a 3rd target of 18 days please.

bottleofred

Good Evening folks,

Congratulations to you and your daughter on the new arrival Cheryl.
I'm pleased to report NSD20 for today:beer:

IF

Evening all :hello:

Spoony, BDINI and LMH got my 15th NSD thank you all 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!

kerri_gt

Congratulations on the new arrival Cheryl, she's gorgeous :happyhear, perhaps Spoony should rev up the Tadis and we'll all pop over and see her....errr...or perhaps not, don't want to scare the poor wee lass :rotfl:

Well as predicted, not a NSD for me today. As well as OH b'day today it was a friend at work's so had to arrange cake and card. Plus picked up some things for what I was going to make OH for dinner, but kind of had a change of plan so fajitas are now rescheduled for Fri night.

Been peeing cats and dogs here all day today, had a trip to the dreaded dentist (with that water pick thing it was a bit like bringing the outside inside :eek:) but clean bill of health (and I pay monthly so that wasn't counted as a cost.)

Ohhhh, actually, I CAN declare a NSD for Sunday though - since I paid for food today (which came to a sim amount as Sun) I didn't feel guilty taking the funds out of the house account...so up to NSD #11 please Spoony! :j

Pay day tomorrow thank goodness, was it really 5 weeks ago that xmas hadn't happened? :eek: