A fantastic February with the NSD challenge

solventsoon

Hi everyone :A

Just popped in to say helllooooooo :hello: to all the newbies joining up today - you're very welcome - and say hi to all the regulars.

I'll be back later to sign you all up :D

Allie_Ballie_Bee wrote: »

My second NSD month so I think I will be a bit more ambitious, but also bearing in mind its a shorter month.

So aiming for 12 NSD and 3 in a row :cool:

Good luck everyone and thank you to Spoon and the gang for providing so much support and motivation. Not quite sure why 'Spoon' though. Is there a tale to tell?

Hi Allie
Well..... it goes back to when I first started posting on DFW - I joined in on the NTN (notice to newcombers) thread. One of the regulars on there said that everytime he saw my name he saw "solventspoon" so decided he was going to call me "spoon".. it just kind of stuck... so Spoon (or Spoony) I am.:D

Hope that helps x


See you all later

spoon xx

poohbear59

I have to really work to spend as little as possible so I can reduce some debts very quickly, like garage and gas bills. Because my direct debits go out right through the month if I could spend on those days I could do a lot of damage.

It is our wedding anniversary this month so I want to spend a little that day. I go out every Friday so I will spend on Fridays. As there are 4 Fridays I would like to set my challenge to be 24 NSDs

It seems like a lot to me but I know that if I allowed myself to spend on other days I would be tempted to use the internet and spend, spend, spend. I will put my gym money in a pot each Friday.

Next week I should have no purchases arriving via van, postman. The first week for a long time.

Catslovelycats

I am determined to win a prize cake in Feb . Please set my target at 15.
Thanks

beemuzed

Having made my target for January I'm happy to go for it again in February - but having DGD to stay for half-term means more spending days that I'd like. So, I'm going to stick to my January target again ( still needs increased effort tho' IYSWIM!)
So... 12 NSDs with 3 in a row, please.

WelshDreamer_2

17 NSD for feb please....

Thanks for the new thread all mse angels xxx

Can i also be put down for 4 in a row xxx

2catsandme

Hello, may I please join?

Can you please put me down for 18 NSD in February. I won't be counting 'normal' direct debits as there seems to be one going out nearly every day, but will try to plan properly so all shopping done on one day a week.


And now the silly question... Do I put my target NSD in my own signature or does it update automatically when you join the club?


Thank you.

cw18

2catsandme wrote: »

And now the silly question... Do I put my target NSD in my own signature or does it update automatically when you join the club?

You need to add it yourself

donna_dynamo

Hi all Happy new February thread. Please can set my target at 15 NSD for february. Been a great January for NSD's but a bad month on the family front hopefully this year will get better.

IF

Loving 'cake' months prizes Spoon!! :rotfl::rotfl:


target met = target no 2 met =
target no 3 met = target no 4 met =
target exceeded =

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!