A fantastic February with the NSD challenge

Frodobaggins

I did manage NSD#11 today and 3 in a row. Just need another one tomorrow to get my target.

freebyfifty

Good Morning,
Hope everyone is bright and well this morning. It’s cold here again this morning and I really thought Spring was here. :mad:
Loads of NSDs rolling in this weekend. Well done to everybody. :j

Abundant – Look at you – up to NSD #11 and 5 in a row. :jThat’s brilliant. Well done. :T
Allie Ballie Bee – Well done for capturing NSD #7 :j and I am glad your cat is on the road to recovery. Thank heavens for pet insurance.
Beanielou – Well done on getting NSD #13. :T That’s brilliant.
Bottleofred – A fantastic NSD #14 for you. :T You are doing so well.
Broomstick – Hooray for NSD #14. :T Keep going, you are doing a fantastic job.
Frodobaggins – Well done on NSD #11 :j and for getting 3 in a row. :j Good luck for the last one for your target
Igamogam – Another brilliant NSD for you. :j Are you up to NSD #9 now??
Ifwishes – Well done on NSD #11. :j I love all your pictures, you are an :A
Katy721 – Well done on bagging NSD # 7.:T Keep going, you will do it.
Learning2budget – A brilliant NSD #6 :jand a brilliant bargain for your DD’s trainers, well done.:T
Marmiterulesok – A brilliant NSD #12 for you. :T And I’m glad the weather is warmer for you and it stays that way.:T
SillyBlondie – Well done on capturing 2 more NSD taking you up to NSD #8. :j Not many more to get now.:)

And hello to
Barbeduk – Well done on saving money and buying a patch for DD’s jeans. I didn’t think you could get patches anymore. I haven’t seen them for ages.
Rising – It sounds like you had a lovely day with your DM, spending time with them is sometimes worth losing a NSD for.
Kerri gt – Spending that £1 will be worth it if you have won the lotto. :beer: Glad your phone is sorted.:)
BDINI – Bloomin’ heck – well done on getting all those bargains :T– if you need to use some of the stuff up there is a house here that could do with a good going over. :rotfl:

I had a very low spend day yesterday, which I am quite pleased about as I usually have very spendy Saturdays. I took a list (even though there was only three things on it) and stuck to it. I have to make up for an expensive last week.:o
Hope I managed to remember everyone in the update, it doesn’t seem as big as usual so apologies if I missed you. :cool:
Have a great Sunday x x

Kittikins

Hello, I had what I'm going to class as a NSD yesterday, I did spend but only the same as an unexpected refund that's going back onto my credit card, so my bank balance is staying static So, I'm at 12 this month already - if only I could get more of these refunds, lol.

I'm anticipating that today will be a NSD too, fingers crossed I might get to the end of the month without 'borrowing' from next month's salary (i.e. my car insurance saving pot etc!)

IF

Good Morning all :hello:

Hmm whats wrong with this picture!! :think:

cleggie

IWWH- thats so cute!!! Its Ok for the smaller dog, but the bigger dog doesnt seem to mind either!!

Hoping that today will be a NSD, but wil be back to report it later!

freebyfifty

That picture is brilliant. :rotfl::rotfl:

*wipes tea off the computer screen*

Igamogam

10 NSds and target reached! Not going out anywhere to spend as I have a job application to finish and its proving a long process and I would really like this job. Dont know why I am finding it so difficult:o

bottleofred

Good morning folks from a rather hungover red:o,

We have had some snow overnight and it's quite cold this morning. I don't have any immediate plans to go out today and am therefore hopeful of an NSD, but will report back later. I hope everyone enjoys the rest of the weekend and stays warm.

IF

Glad you all like the picture


Spoony, BDINI, LMH and freeby declaring early my 12th NSD thank you all xxxx :A: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!