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Springing Into the April NSD Challenge
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Another 1 for me so thats 11/15
Thanks PuzzleBoM 100/2000
CC2 100/3100 CC1 400/4100
OH 510/45000 -
NSD 12 for me pleaseBe who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
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Hi all NSD 10 today. Woohoo double figures at last.#Sealed pot #085.
1 debt versus 100 days £108.32/£300:j
Debt Jan 2016 £6877.37. Aug £6155.56
xmas saving £1 a day 274/366.0 -
So no 15 today.
So can I please increase my target to 19 please?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 -
Evening all :hello:
freeby and LMH got my 11th NSD thank you both xx:A:A"If wishes were horses, then beggars would ride"
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Heres todays round up
freeby - well done for NSD 15 :j:j:j good luck with your new target
LMH - well done for NSD 15 :j:j:j woooo hoooo for me - only 5 more to go
JCG - well done for NSD 10 :j:j:j great going, keep it up
puzzle - well done for NSD11 :j:j:j hope you are recovering well
sf - well done for NSD12 :j:j:j hope married life is treating you well
donna - well done for NSD 10 :j:j:j wooooooooo for double figures
beanie - well done for NSD 15 :j:j:j and freeby will increase your target to 19 when she does the front page update
if - well done for NSD 11 :j:j:j great going, keep it up
And hello to :
flying - your weight loss is fabulousI need to start thinking about it seriously again (I go through stages when I try and stages where I don’t!)
Tomorrow will be spendy as I need some box file things for my work stuff and I am also planning on a shopping deliverySee you all for tomorrows update x
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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Evening everyone.
Well done on the weight loss Flying :T I have thankfully been able to move without yelping like a pup today, just in time for pole class tonight :eek: Didn't quite have my usual mojo but did ok, back to boot camp tomorrow then a rest at the weekend , until I start again on Monday...this is deff a kill or cure scenario...might well be the former though :rotfl:
Not a NSD today as popped into town (another side effect of boot camp means I'm kept out of the town at lunchtime 3 out of 5 days) picked up some more carding the C.Factory (7 for £1) milk and greasproof paper in the pound shop (£2) and some more moisturiser in Savers, which was £2.99 each but better than £5.10 in B00ts :eek: Also got a big box of cat food tonight in Tacto, on offer for £10 from £12.99 - £2 price flop coupon - £3-odd JTD - £1 on a moneycard = £5-odd for 48 pouchers :j
Bit annoyed as they didn't have the other bits I wanted but might try another one at the weekend.
Me off to bed now, pooped! nite nite xFeb 2015 NSD Challenge 8/12JAN NSD 11/16
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NSD no 13 for me today please.NSD Challenge January 2/15
PAD Member since 18/7/11 - Total paid to date £8885.190 -
Hope work goes well and nearly Friday eh!! :beer:"If wishes were horses, then beggars would ride"
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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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