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Marching into March with the NSD Challenge
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Thanks rising, my friend has said it looks OK so maybe I just need to get used to it.
Determined not to have to spend on going to a real hairdresser!!0 -
Afternoon all :hello:
This made I laugh today!! :rotfl:"If wishes were horses, then beggars would ride"
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Ohhhh If I DO like that one!
Well, window cleaner just been (doesn't count as a spend as I put money aside on payday) but it's made me realise that March will be one of the few months with 2 visits in (comes every 4 weeks) ...
Just about into my delivery slot :j (OMG I feel like a kid in a toy shop!) - unfortunately the sun disappeared around 1/2 an hour after I posted earlierand it's now raining:eek: (good job I didn't get around to doing any washing!) so can't see me heading out ....
Grocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0 -
Agh No NSD as yet, and have to travel into London later. So the Oyster will need topping up
That said 2 weeks and still not had a drink.[STRIKE]PDL1 £1020.88/£1020.88[/STRIKE]P2P £1274.60/£1537.63 PDL2 £175/£350 PDL3 0/£259 PDL4 £189.77/£503.92 PDL5 0/£194.25 Cd1 £987.20/£1000 Cd2 £725.38/£750 Cd3 £286.69/£300[STRIKE]Zebra £325.80/£325.80[/STRIKE]CF £398.85/£1305 OD £793.37#321 TOTAL £3735.63/£8639.85 by 1/4/13Clear by April Fools for being a Fool, falling back into old ways0 -
Good afternoon folks,
Thanks to BDNI for setting up the thread for March. I had a spendy today I'm afraid, as I did some grocery shopping, but hope for a few NSDs over the weekend. I hope everyone had a fantastic Friday and is looking forward to the weekend.If you've nothing decent to say, perhaps you shouldn't say anything.
£2 savings jar £300:D
Total credit card debts £1250:mad::mad::mad::mad::mad: - Will I ever learn!!0 -
Number 1 NSD in the bag!!
The Nargle is off the starting blocks!One life - your life - live it!0 -
Hello
Joining up again and setting a target of 15 thankyouBe the change you want to see -with apologies to Gandhi
In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
'On the internet no one knows you are a cat'0 -
Woo Hoo!
NSD 2 to declare!!
If I shut my eyes and hold my breath I am hoping tomorrow will be number 3, and then I can hit my first 'in a row' target and increase it.
Decided if I do need to go for a professional snip then I will wait until I am having a spendy day anyway. Hats until then0 -
Evening all :hello:
BDINI, LMH and freeby got my 1st NSD thank you all xxx:A:A:A"If wishes were horses, then beggars would ride"
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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 :ANO 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 fineEveryone 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 clubThe 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!"If wishes were horses, then beggars would ride"
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