A ginormous jump into 2012 with the January NSD challenge

ModestyB

Evening all, I'm glad to be on here tonight after t'internet went down earlier.
Very happy to declare NSD No 14.
Hugs to all.
Be well.

kersplatt

Up to NSD #10 - only 6 days left to the month so looks like I can only spend on 1 more day until February if I want to hit target - will I manage it???!!!

thrifty_fifty

i was really determined to have and NSD today, and then I went and forgot my lunch. D'oh! £1.65 spent. Tomorrow will not forget lunch and will have an NSD

dumpy

Well the mot and repairs yesterday were £180 and they fixed it and retested in the same day, so it's back on the road.

Today was a no spend day which I think takes me to NSD#14

6 to go to meet the target, it's going to be close. (insert biting nails smilie)

jaffacakegal

Awww congrats Cheryl!! lovely little baby

Yesterday was a spend for me - stupidly didn't plan ahead and nearly ran outta petrol!! Was the only spend of the day :mad:

Today was NSD 14. Off to look at phones again, need to pick one asap mine is carp and due for upgrade - just sick of people telling me to get an iphone when I can't justify the cost - hate peer pressure!

JCG x

butdoineedit?

jaffacakegal wrote: »

Awww congrats Cheryl!! lovely little baby

Yesterday was a spend for me - stupidly didn't plan ahead and nearly ran outta petrol!! Was the only spend of the day :mad:

Today was NSD 14. Off to look at phones again, need to pick one asap mine is carp and due for upgrade - just sick of people telling me to get an iphone when I can't justify the cost - hate peer pressure!

JCG x

If it helps any, i'd say don't get an iphone, all the people i know who have one seem incapable of putting them down for emailing & playing on the internet & playing everyone in the vicinity annoying videos when we are meant to be having a chat in the pub (apologies to anyone who has one & doesn't do this!!). There's nowt wrong with a good old house brick that does nothing more than call & text!!

Frodobaggins

cw18 wrote: »

I'm home

having been kicked out of the hospital just before 9pm, we got calls at 2:45am telling us to get back.....

Aimee Rose arrived at 7:11am weighing in at 8lb 2.5oz (or 3.73kg for those that prefer 'new money')




Today is a spendy day - paid £2.20 for parking. Not yet checked bank accounts, but am debating a wander down to Mr M at Whoopsie time to see if I can find myself a belated birthday treat (seeing as I didn't get chance yesterday )

Congratulations to you and your family on your new arrival. How cute is she?:T:T:T

jaffacakegal

butdoineedit? wrote: »

If it helps any, i'd say don't get an iphone, all the people i know who have one seem incapable of putting them down for emailing & playing on the internet & playing everyone in the vicinity annoying videos when we are meant to be having a chat in the pub (apologies to anyone who has one & doesn't do this!!). There's nowt wrong with a good old house brick that does nothing more than call & text!!

Teehee! Not sure I could deal with a house brick And I know I would be one of those annoying people! Looking at N0kia Lum!a 800, seen some good deals but I'm having trouble working out which is the best one - so flippin complicated!! I need texts and internet, and not much minutes, for cheap! Not too much to ask :cool:

It's MSE done this to me, in the past I would have gone straight to network website, but theres all this cash back quidco etc lark to contend with now!

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!

Keiss_21

Congratulations on your new grand-daughter Cheryl, she is gorgeous!!!

Spent today...quite a bit too...booked a workshop for two weeks time....machine quilting, should be great fun!!

Did get paid too, so money is good atm ...going to set up a new bank account to put in all the money I earn, so I will buy my crafting materials from there and have enough to pay the tax man.

Hope to have a few spend-free days now. Determined to reach my target this month!

Have a good Wednesday everyone...I need to get to bed now