The Spend Free September NSD Challenge

solventsoon

Morning everyone :wave:

Just popped in for a wiggle I'll be back later to catch up with you all

missyv30

well unfourtantly spent money yesterday:( due to being stressed out by worrying about my daughter getting picked on at school:( hopefully it will blow over plus full of the cold and fed up so hopefully be better monday because have christening sunday so things to buy over weekend but fresh start monday need to save badly

Heffi1

Afternoon, number 5 for me today. :j halfway to my target woo hoo.

IF

Afternoon all :hello:

jaffacakegal

NSD 6 yesterday. Glad it's Friday, even though I am on a long late shift at my other job tomorrow :cool:

JCG x

rising_from_the_ashes

Jumping in early to declare No 11

Still in my pjs (don't get the chance often, honest!:cool:) - was up earlier with Maisie but horrible out so went back to bed and ..... woke up at 1:10pm:eek:

Surfaced & phoned pal (we were supposed to be taking our dogs out for a nice long walk somewhere) but she's feeling a bit under the weather and it's horrid out (dry but really windy - can hear stuff blowing around out there:eek:) so we've postponed.

Quite happy as it means I can stay in my pjs all day!:p

emslovesmickey

So far i'm on 9 NSD's. Not doing well. I honestly don't think i will hit my target. Today was a big spend but on the bright side i have all my family's birthday presents for next year.

marmiterulesok

I think that's no.12 today.Pretty horrendous day at work and tomorrow will more than likely be the same...so I'm not doing the wiggle!:(

kerri I'm more of a plodder/potterer,though I can be very motivated to clean/tidy ie when expecting visitors!I do have problems with fatigue,so sometimes just doing the ironing or getting the hoover out on a day off is enough for the day.

I can't lie in now,seems such a waste of time...

What have you tackled today,or are you having a break?

marmiterulesok

missyv30 wrote: »

well unfourtantly spent money yesterday:( due to being stressed out by worrying about my daughter getting picked on at school:( hopefully it will blow over plus full of the cold and fed up so hopefully be better monday because have christening sunday so things to buy over weekend but fresh start monday need to save badly

Hope it does blow over.Can you speak to her teacher?

Hope you manage to enjoy the weekend and the Christening,and like you say,start again on Monday.Have you got something for your cold?:grouphug:

IF

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 :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 thefirst 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!