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Go TEAM GB July NSD Challenge

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  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    beanielou wrote: »
    Wont be as bad as you think hopefully freeby.
    Which club do you go to then?


    I go to weight watchers and had lost 34lbs........until tonight :rotfl:
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    NSD 8 for me today :)
    Be 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
  • beanielou wrote: »
    Lost 1 1/2 lbs so thats 3 stone in total.
    So pleased with that :j

    :j:j That's fantastic!:D Well done you!:T:T:T

    And :T:T:T to Freeby too

    (Note to self: really must start trying to do something to lose a bit again)
    He had a slap-up meal at Igor's a while back and is stilling recovering.I believe his famous curried sprouts dish was featured.

    :eek::eek:

    If love the pic today .... so true unfortunately! Spoon thanks for the wonderful update!:D


    No 7 today please:) - hoping for another tomorrow!
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    one for me today.
    So NSD no 13 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.
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    This made me smile :D

    "If wishes were horses, then beggars would ride"
  • Pips_Mum
    Pips_Mum Posts: 2,893 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Pips Mum - woohoo to no 5, that’s great, keep going.:j:j:j
    I’ll have to take you to task though for mentioning the “C” word in July.:naughty:
    There are only two rules here, one is that we don’t “fail”, the other is that we don’t mention the “C” word until November - well, I might had made up the second one:D

    Forgive me for sinning NSDers! :rotfl::rotfl:
    Debt at LBM [strike]£17,544[/strike] :eek: £5700
    :TOver £14,000 PAID OFF :T

    2020 the year of less - Less debt, less waste, less spending, less stuff, less stress!
  • LondonGirl252
    LondonGirl252 Posts: 1,983 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    WOO HOO! Finally bagged No 3!
    Santander 0% £1,529.94
    Sainsbury's 0% £4,371.31
    Total 0% £5,901.25
    AIM: Pay off debt & simultaneously save for deposit to buy a house by Oct 2020.
    Mar Challenge: Stay within groceries & eating out budget.
  • badger_
    badger_ Posts: 475 Forumite
    Good evening NSD 7 for me today :j
    LBM 24/05/2012 :T
    August NSD 10/12 * £2 savers
  • bottleofred
    bottleofred Posts: 2,902 Forumite
    Good evening folks:),

    Today in NI was fairly nice weather wise, but what a change since around 5.40pm with torrential rain:eek:.
    Beanie and Freebie:T:T:T, well done on the fantastic weight loss and keep it going, as I know only too well what it's like and consider myself to be something of yoyo in the weight department.
    I had a spendy today, as I went to get some little bargains from a local grocery store near work;)
    I hope everyone is well:)
    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!!
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    2ym65q8.gif
    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 wink2.gif
    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 sport-smiley-003.gif & have been l-o-n-g time Nsders so don't panic :p
    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 :D
    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 action-smiley-076.gif
    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 :D

    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 :D The only thing to be aware of is Hubert the donkey who is partial to anything remotely edible but is not yet house-trained :o

    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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