A fantastic February with the NSD challenge

mooomin

freebyfifty wrote: »

Flying – Thank heavens for interest free overdrafts grrrrrr to your debit coming out early. I go to the craft fair at the SECC in October, do you go to that one as well??

Yes I do I do cardmaking mainly (pics are on my blog which is linked from my profile here if you want a look.)

I always tell myself I'll only go to the SECC once a year, but end up going twice anyway :rotfl:

abundant1972

Hey Everyone!!! Am up to NSD 11/15 and have clocked my 5 in a row already

Good work everyone!

marmiterulesok

I'm claiming #12 for today please.

It's a bright and sunny day here in Lausanne.The weather has taken a turn for the better these last few days,no more below freezing temperatures.I do hope it stays this way!

I've got a day off today and am planning to have a long walk,but won't be going near the shops.:)

Hope you have a great Saturday.Freeby thanks for the update.

Wellyboots6

Declaring NSD 7 for me today please.

Declaring it now as I am tempted to do my grocery shop today, but I know tomorrow will be a spendy day so trying to convince myself to save shopping until tomorrow.

I am going to be pushing it to hit my target this month

Igamogam

Claiming ONE for today please

IF

Afternoon all :hello:

Spoony, BDINI, LMH and freeby got my 11th NSD thank you all xxxx :A:A:A:A


All of you find a nice warm place and keep warm

freebyfifty

flying_fresian wrote: »

Yes I do I do cardmaking mainly (pics are on my blog which is linked from my profile here if you want a look.)

I always tell myself I'll only go to the SECC once a year, but end up going twice anyway :rotfl:

Your cards are gorgeous. You must have the patience of a saint I really liked the mother's day ones
The card making stuff just baffles me

We used to go to the March craft fair but stopped as it's a bit of a journey for us.

I'm a cross stitcher or I was - not done any for ages but I just love looking (and spending) :rotfl:

SillyBlondie

Another 2 NSDs for Thursday and yesterday please, taking me to 8.

Learning2Budget

Managed a NSD so that takes me to NSD 6failed miserably today but due to a total bargain pair of trainers for DD, that were £16 reduced to £1. So for the sake of a pound I've lost my NSD but was worth it.x

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!