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Marching into March with the NSD Challenge
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Imagine the co~op not selling milk :eek:
Ooooppps they sell milk ... just not "my" milk (Lactofree) unfortunately.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 -
Good morning everyone! :wave:freebyfifty wrote: »Chris81418 – Pleased to see you back up on that ole wagon.
An excellent NSD #8 for you. :j
...
I managed NSD #7 yesterday :T but will be spending today. Keep a space for me on that ole wagon as I'll be climbing back on later.
Thanks freeby!NSD number 9 caught yesterday and space reserved for you up at the front of the wagon! :money:
Have a good rest of the weekend 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 -
Good Morning,
I hope everyone is well. It’s just a small update this morning. Everyone must be out enjoying their weekend.
Well done to everyone who captured another NSD
Beanielou – A brilliant NSD #10 for you. :j I hope you enjoyed your lovely relaxing day.:)
Bottleofred – Well done for NSD #7.:T That’s fantastic, keep going.:)
Chris81418 – NSD #9 for you. :j That’s brilliant. Thanks for keeping me a space on the wagon, I definitely need it.:o
Delilahh – You captured NSD #4. :j Brilliant.:)
Katy721 – Well done for NSD #7.:T I hope you had a lovely relaxing afternoon.:)
Keiss – Well done for nabbing NSD #5. :T Good luck for number 6 today.:)
Rising – NSD #6 for you.:j Well done. :T I hope you are feeling better today. The scan will have taken a lot out of you and you obviously needed a day to recover.
Yasmin2 – A brilliant NSD #6 for you yesterday. :j Well done.
That's it!! Where is everybody??
I spent way too much money yesterday what with one thing and anotherI hope I enough to last me another fortnight never mind a week and then I might feel better about the amount I spent :eek:
Have a brilliant Sunday x xFree by FiftyDebt of the Moment -August NSD Challenge 14/150 -
Hope you are all having a good weekend.
I had a spend day yesterday,but a small amount only.
Today I'm going to the cinema,but I have a pre-paid ticket,so hoping to get an nsd.0 -
Definitely NSD number 3 for me today pleaseBe 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 -
I'm here, but I've had a terrible week with spending (almost all stress related), so no more nsd's to report as yet. Am really hoping to catch one today though, so fingers crossed.Ninja Saving Turtle0
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Looking a bit brighter outside
although still very windy - will be heading off for a walk on the beach and to Mr A shortly.
Seriously thinking I may need to cut the grass :eek: have been putting if off as once you start .... mmmmm
Have a great Sunday everyone:)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 -
No NSD on Friday as I was hoping as DS1 was still ill so after a very tiring week we decided to have a takeway rather than cook.
But did get NSD 7 yesterday as we couldn't go anywhere.
Hoping to get another today:)
Have a lovely Sunday fellow NSDers:jSuccess means having to worry about every thing in the world......EXCEPT MONEY. Johnny Cash
Cross stitch Cafe member 81.0 -
Morning all :hello:"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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