Marching into March with the NSD Challenge

LittleMissHappy_2

Forgot to say NSD 5 for me today

freebyfifty

Good Morning

NSD #10 yesterday :T which is hardly surprising as there is nothing left but it's payday tomorrow :j


Have a great Wednesday and I'll be back later with the update

lotti379

Tried to post last night, but it got lost!

Number 2 caught yesterday :j I really am having trouble this month, I think it is because I am finally getting more hours at work so I feel like I have more cash... however, I still have a CC and an overdraft I ought to be dealing with.... :cool:

chris81418

Good morning everyone! :wave:

LittleMissHappy wrote: »

chris81418 - well done for NSD 11 :j:j:j what an amazing amount, only 2 spend days so far - go chris!!! x

Thanks LMH! :j Unfortunately, yesterday was a spend day and today will be too, so I'm still sitting on NSD number 11

rising_from_the_ashes wrote: »

Chris ... was it you who mentioned boiling water down the drains? If so ... I've tried it too but couldn't remember who posted it and .... it worked:j Thanks

Yes, it was me - glad to be of service! :money:

chris81418 wrote: »

I little quick tip which should help - everytime you boil the kettle for a tea/coffee, pour the hot water which you don't use down the sink, it should help keep those drains clear. :money:

Kerri (((hugs))) to you!

Have a good day everyone!

bubble32

Hi all

I have been away for a while , but can report a good start of March with 4 NDS so far. Im really proud that I had 3 NDS while on holiday.:-)

Butti

Looks like NO NSD possible this week. Was planning for one tomorrow but something going past me today obviously had some sort of loose load....pebbledashing sound followed.....and I now have a chip on my windscreen.:mad::mad::mad:

May plan for one and see if mine is indeed going to be like the one's on the adverts - has to be smaller than a £1 coin so I shall measure when I get back to the car! Have vouchers so may go window shopping while they do it.

B

IF

Afternoon all :hello:

Glad you all liked the picture :beer:

LittleMissHappy wrote: »

if - I hope you don't mind but I have nicked this for my facebook page It made me :rotfl::rotfl::rotfl::rotfl::rotfl:

I don't at all..............I nicked it myself tbh!! :whistle: :rotfl:

elfen

NSDS no 5 nd 6 checking in for me.

Walked to my session yesterday (5 miles) and will do today and tomorrow too (another 13 miles)

Delilahh

After a very spendy Monday (bills, new trousers, food etc), managed to get myself another nsd in yesterday

Now at 5/12 NSDs :money:

And I'm also dead chuffed that for the first time in over 3 years, I've actually been able to put some money in my savings account. Still have debt, but it's very manageable now, so on a Sunday, see what's left in my account, then put the notes into ISA.

IF

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!