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Springing Into the April NSD Challenge
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Good evening folks,
Declaring NSD10 for today please:beer: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 -
Adding another NSD - 8 now0
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Heres todays round up
SillyBlondie - well done for NSD 7 :j:j:j keep up the rollHow many more do you think you can squeeze in?
freeby - well done for NSD 9 :j:j:j we still have a while before payday
L2B - well done for NSD 6 :j:j:j great going, keep it up
Keiss - well done for NSD8 :j:j:j great news that you sold a sewing machine on your first day! It’s lovely when your job doesn’t feel like work
brizzled - well done for NSD5 :j:j:j great going, keep it up
donna - well done for NSD 6 :j:j:j hope your cold is better soon x Mmmmmmmm, blondiesYum!
red - well done for NSD 10 :j:j:j great going, keep it up
ems - well done for NSD 8 :j:j:j great going, keep it up
rising - I’d be stocking up too, you can never have too much bubble bath and shower gel!
Modesty - fingers crossed for next time you see the medium x
flying - tomorrow, tomorrow, I love ya, tomorrow, you’re only a day awayyyyyyyyyy
Nargle - HAPPY BIRTHDAY for yesterday
Today is (fanfare please!) NSD 10 ! Tomorrow won't be as I need to go to Mr T for a few bits for DD's birthday and I hav a bill I need to pay but am grinning form ear to ear that I am in double figures so early in the month!
Anyone seen chris recently? She normally posts quite regularly.......
:wave: to spoon if you are watchingBe the change you want to see in the world - Gandhi
OU - DD100 (P), DSE141 (D :j), DSE212 (P
), ED209 (02/12), DXR222 (07/12) SD226 (02/13)
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Evening all :hello:
freeby, LMH and BDINI got my 8th NSD thank you all xxx:A:A:AHope you had a good Birthday Nargle xx"If wishes were horses, then beggars would ride"
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Another NSD for me today, taking me to 8 please. With a bit of luck I may be able to squeeze another one in, before a spendy weekend.NSD Challenge January 2/15
PAD Member since 18/7/11 - Total paid to date £8885.190 -
Good Morning
Checking in with NSD #10 :j (and another 5-in-a-row).
Payday today :T but I am determined to get one last NSD before 'spendy saturday' so the wages can stay firmly where they are for one more day
Have a great wiggly Friday.Free by FiftyDebt of the Moment -August NSD Challenge 14/150 -
I have just update the first page and first prize and a big fat gold star goes to LMH for being the first one to reach their target :j:j:j
Well blimmin' done LMH, that's fantastic for this early in the month :T:T
I have given you your prizeLet me know if you are setting yourself a 2nd target and I'll update it x x
Free by FiftyDebt of the Moment -August NSD Challenge 14/150 -
freebyfifty wrote: »I have just update the first page and first prize and a big fat gold star goes to LMH for being the first one to reach their target :j:j:j
Well blimmin' done LMH, that's fantastic for this early in the month :T:T
I have given you your prizeLet me know if you are setting yourself a 2nd target and I'll update it x x
Thanks freeby - I thought I had put my target at 15 so this is a big surprise for me :rotfl::rotfl::rotfl::rotfl: As soon as I read your post I remembered putting 10 though, as I did so poorly last month:D:cool: I think I will increase my target to 20 please, really have to tighten my belt for the next few months...
ETA - I even managed to forget with my target in my signature:o:o Not having a good few days!!!
Be the change you want to see in the world - Gandhi
OU - DD100 (P), DSE141 (D :j), DSE212 (P
), ED209 (02/12), DXR222 (07/12) SD226 (02/13)
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Today will be one.
My back has gone into spasm and I cant move very well nor stand upright.
Doped up on my usual muscle relaxants and also diasazapam :eek:
So couldent drive even if I wanted too.
Happy Friday everyone.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
freebyfifty wrote: »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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