A ginormous jump into 2012 with the January NSD challenge

rising_from_the_ashes

Frodo wishing DS a speedy recovery

Jinty (((hugs))) hun .....


EDINBURGH COFFEE ON SUNDAY

Beanie - is 11:30 OK?

Sorry really struggling for time ATM to organise things - RL in the way:rotfl::rotfl:

Is so - at the Omni - or other suggestions???



Oh nearly forgot - No 18 :jfor me, which I think is my highest score yet ... and I hope it continues for the rest of the year!:)

jintyb

Made it #15 today - target met:j

Phew - just scraped in there!

Very busy today, have a really bad headache which I've had all day.
Just had carbonara ( recipe from WW magazine) which was absolutely delish and not a bit of cream in sight!

Going to relax and watch soaps and undemanding telly tonight!;)

Have a great evening

cw18

And today takes me to NSD #19 - almost double my initial target :T

Just had a quick scan through my spreadsheet, and if I weren't counting D/Debits that figure would be 22 as 3 of my spend days were only due to money going out of the bank. 1 was groceries only, and the other 8 were both D/Debit(s) and groceries.

fedupandskint

Declaring my final NSD for Jan today

17/18 reached with just one day short - damn those fresh cream meringues that I simply had to have earlier this month. This thought will stay with me to keep me on track for the aim of 20 for Feb

See you all on the new thread, thanks for all the help and support, to help me get to the point where a NSD seems more usual than a spend day and I really need this to continue

donna_dynamo

Hi all NSD 21 today. Thats alot more than i thought i could manage. Hopefully mor eof the same for February.

Broomstick

Quick post to say that I've managed another one making #27 NSDs:j now, thanks to having enough fuel left in the car today, packed lunches, thermos and milk that has lasted longer than expected! I am very happy about this

Roll on February and thanks for the support. I am especially looking forward to going shopping tomorrow. :rotfl:

B x

beanielou

11.30 is ok with me.
Nowhere these days in St James Centre thats reasonably priced?

24 yesterday & 25 today.

silvasava

NSD 13 for me today please - totally unexpected too!

Jinty - hope the situation improves very soon - as others have said, keep a diary it does help. Is there anyone else there who can give you some moral support (sorry I havn't managed to read all the posts) a work situation like this can make you feel very isolated so if you need a 'vent' just blow on here!

IF

Februarys NSD thread - Click here

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!

wannabee_in_credit

Just here to declare my final nsd for Jan 2012. Bagged #18 and my third target met.
Finished my job application today so fingers crossed that I make it to interview. And now I can get back to doing the job I should be at the moment and stop waking up during the night wishing that my application was done.