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The Jubilant June NSD Challenge
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Good Morning
Well, after declaring yesterday that the sun had come out, it proceeded to rain and rain and then rain some more.:mad: I should really learn to keep my mouth shut!!!:o
Well done to everyone who captured a NSD
Barbeduk – Well done on NSD #3. :T Good luck for the next one.:)
Beanielou – Bloomin’ heck – NSD #8 and 8-in-a-row. :j That is fantastic. :T Well done.:T
Ifwishes – A brilliant NSD #6 in the bag for you. :T Well done.:)
Kerri gt – Woo Hoo NSD #5. :T Your life sounds as rock and roll as mine.:) I spent most of yesterday doing housework.
Magni – Well done on NSD#1 & 2. :T They’ll come rolling in now.:)
Rising – NSD #3 & 4 done and dusted. :T I’m glad Maisie is home, hope she’s recovered.:)
And hello to:-
Kelfen – You are on the front page.Any idea who has been using your account???? :eek:
Marmite – Just think of how much money that tomato plant will save you in the long run. :rotfl:Free by FiftyDebt of the Moment -August NSD Challenge 14/150 -
Just adding that I got NSD #7 yesterday :j
Hope everyone has a dry dayFree by FiftyDebt of the Moment -August NSD Challenge 14/150 -
freebyfifty wrote: »
Marmite – Just think of how much money that tomato plant will save you in the long run. :rotfl:
Just what I was thinking.;)0 -
Good morning folks:j,
I have been up since stupid o'clock and have so far made a pot of chicken and vegetable broth and am just proving ciabatta before baking:D. I then intend making some shortbread with my new food mixer, as I've yet to christen it:o.
As I don't intend going out today, it should be another NSD, but I'll declare later. I hope everyone has a good Sunday:DIf 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 -
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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Hello hello!
Considering I haven't worked many hours this week, I've been a busy bee! Just checking in with NSD 4 for yesterday, and 5 for today :j2019 Aim: Save £10,000
Don't sacrifice what you want most for what you want now0 -
Hello! Hope everyone is having a lovely weekend. I've managed NSD 4 today. Tomorrow is going to be a spendy day, but I'm hoping that I might be able to catch a few more this week x0
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Whizzing in to declare NSD 6 today - yesterday obv wasn't but I had a lovely day and visited primarni (we haven't got one where I live :eek: ) so spent a little bit more than expected
:o:o I didn't think of my exam at all though and it really has done me the world of good. Today I got up and saw a piccie on my fb group page for the course that had a person lying face down on a couch with the caption 'That moment when you have so much s**t to do......that you decide to take a nap instead'. I have to tell you I simultaneously giggled and cried for about 5 minutes. Happily, my mini hysteria break down is now over
Right, enough of this denial, back to the books....deep breath xxxBe 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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#5 please for me today.I managed to resist buying an ice cream by taking a piece of cake with me on my walk.
kelfen what a nasty thing to happen to you.Hope it gets sorted.
LMH good luck for tomorrow!0 -
LittleMissHappy~More positive vibes for tomorrow.
A wee spendy today.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
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