Marching into March with the NSD Challenge

Learning2Budget

TARGET REACHED!!! 12/12 Phew!!

poohbear59

I have managed to get to NSD 18

I should achieve my target as I have a £0 available balance in the bank. All direct debits are paid for the month and I should have a payment into the bank by this time next week.

Last week when I was ill DH was in charge of meals etc and he managed to spend an extra £80 above our budget. I have no idea what he spent it on.

The_Dragon

I am claiming #20! Squeaked it by the skin of my teeth as today, tomorrow and Saturday are spendy days!

LittleMissHappy_2

No NSD for me today as I had to get myself some lemsip max Feeling rough

Back later for the update x

IF

Afternoony all :hello:

BDINI, LMH and freeby got my 15th NSD thank you all xxx:A:A:A

beanielou

frrbyfifty~ I am so not good at yoga and do quite a lot of it seated.Needs must and all that :rotfl:

elfen

NSD no 14 and my target hit!

Delilahh

Achieved 10/12 NSD's

yesterday - just two more then I've achieved both targets - woohoo!

chris81418

Hello everyone! :wave:

freebyfifty wrote: »

Chris81418 – An absolutely superb NSD #23 for you. :j That’s brilliant. I am jealous of your dedication.

Thanks freeby! Needs must and all that, I'm determined to be debt free by the end of this year!

Anyway, I was just popping in to report that I caught NSD number 24 yesterday, so I've reached my 2nd target! :j

Good luck catching NSDs everyone and hope you're all enjoying the sunshine!

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!