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Marching into March with the NSD Challenge
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A quick in-and-out, so not caught up yet. Reporting 3 NSDs nabbed now. :j
Had hoped for another tomorrow, but one of my car indicator bulbs has gone tonight and I need to get another one, so will have to spend tomorrow
I have put aside money for my choir tomorrow, as well as a few more pennies for extras for the week (£7 atm)...if it doesn't come to more than that, can I count the day as an NSD if I don't spend anything else? If so, then I won't spend anything else, otherwise, I will stock up on food stuffs and nab more NSDs during the rest of the week.
Off to bed now, night, night.
13 projects in 2013: 7/13
Cross-stitch Club Member no 13
Weight loss since 24/06/2012: 30lb
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Good Morning
Just checking in with NSD #5 :j that'll be 3 in a row and just one more to get to reach my target of 4No spends are planned for today so I might just do it
See you all later with the update.
Have a great Wednesday x xFree by FiftyDebt of the Moment -August NSD Challenge 14/150 -
Good morning everyone! :wave:LittleMissHappy wrote: »chris81418 - well done for NSD 5 :j:j:j
Love the dancing smily, that is certainly a good indicator of how I looked on Saturday, I can’t dance but I still threw some shapes on the dance floor
Thanks LMH!LOL, the dancing smiley made me smile too, so I had to share!
Anyway, I was just popping in to report that I successfully caught NSD number 6 yesterday! :j
Hello and welcome to the thread DFW_57Good luck reaching your target!
Have a good day everyone!:money: Proud to [STRIKE]be dealing with[/STRIKE] have dealt with my debts! :money:
DFW Nerd #1256, WSC £?/£? for w/c 03/03/2013, NSD ?/19 for 03/2013, Long Hauler #196
highest debts: 01/06/2006 £69,023.92 _pale_
debt free date: 31/12/2012 £0!0 -
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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Afternoony all :hello:
BDINI, LMH and freeby got my 4th NSD thank you all xxx:A:A:A"If wishes were horses, then beggars would ride"
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I've only just achieved NSD #1 yesterday
I really need to get back on the wagon properly.0% card was £1126.91 / Now £1502.37
AFD March 2/15 NSD March 2/11 :T
Other debts paid since 1/1/14: £17,0050 -
No NSD today
Sponsored someone for the SportRelief walk and got some badly needed thin pins for sewing. Also found masses of knitting and sewing stuff from a jumble sale...all for £3!! Got the lightbulbs for the car, off out to see if I can fit them now! Saving £3.99 if I can manage it:).
13 projects in 2013: 7/13
Cross-stitch Club Member no 13
Weight loss since 24/06/2012: 30lb
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afternoon
i am really pleased to say i have bagged 5/20 NSDS AND MY 5 IN A ROW, CAN I SET A NEW TARGET OF 8 IN A ROW PLEASE.
luv p
xx
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Hi,
Today was a NSD for me and tmrw will be as well. So can I claim 5 NSDs as saves me updating tmrw...
5 NSDsDebt outstanding [STRIKE]£3491.[/STRIKE] £3303
NSD 10/150 -
Another NSD in the bag today so that makes my total 4!!!!!
Number 5 tomorrow hopefully!One life - your life - live it!0
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