The Spend Free September NSD Challenge

IF

muffin_man_7 wrote: »

will catch up when i can i so miss logging in and spending time on here :(hopefully not for much longer

We miss you too and sending a big NSD hug





Best wishes to you and your son
If...x

muffin_man_7

beanielou wrote: »

Good to see you Nuffin Man
Take care & pleased to know your son is getting support.

thanks beanie will be worth the wait in the long run i hope

muffin_man_7

ifwisheswerehorses... wrote: »

We miss you too and sending a big NSD hug





Best wishes to you and your son
If...x

thanks If thats the second best hug i've had this week:A ( 1st being from my other son who was 25 on saturday gosh makes me feel old )when we surprised him with a birthday cake i'd made earlier in the day very difficult when you keep getting everyone asking for help:rotfl: but he was happy thats the main thing i really do miss those wonderfull pictures you find as you know i'm not brill on puter but will belearning as much as i can when i get lappy sorted thanks again you've made a sad day not quite so sad now greatly appreciated:T

bottleofred

Good morning folks,

I got home from work yesterday and simply couldn't be bothered turning on the computer:o
Finally got a majority agreement on the Christmas party venue at work, so relieved although now worried what the place will be like and if the service/food will be good (I am a worrier:o). I'm not doing anything of any note over the weekend and bought some groceries for muffins and soup etc yesterday, so no NSD, but look forward to cooking.
Donna, I hope the money is correct as it's annoying when mistakes are made.
Marmite, sorry to hear about the horrible day at work and hope things get better soon.
Kerri, it's good to see you took it easy on your week off from work and managed at least one extra bit of sleep in between all that cleaning and decluttering:eek:. I'd tell you off for reading the work emails, but I'm just about to do the same thing myself:o
I'm not planning on going out today, so it may be an NSD if I can avoid the perils of internet shopping.
I hope everyone has a lovely weekend:)

penny73_2

Well yesterday would have been a non-spend day but the upgrade for craft artist professional came and I bought (with other things ) out my crafty saving budget:D:D:D

I am out tonight with friends so today will be spendy day. Hopefully Monday will be a non- spend day:rotfl::rotfl::rotfl:

Learning2Budget

NSD 10. 8 in a row doubt I'll achieve a NSD today but this month is my bestest ever month! Target reached! L2B.x

solventsoon

muffin_man_7 wrote: »

quick update while i have chance things not too bad atm my son is at last going to get the help he needs to learn to be independant also adult s w who is helping him thinks he might have post tramatic stress disorder another in a long line problems but at least he can see my son as a person and not a problem we see him again on tuesday so hope for more good news

as for nsd well mm not doing too bad 9nsd so far not in a row yet still trying:(

will catch up when i can i so miss logging in and spending time on here :(hopefully not for much longer

Good news about your son muffin man, I'm pleased someone is finally listening to you, it's about time.... Let's hope this is the start of better things to come for you.

Another (((hug))) from me too xxx

We miss you too, hopefully you can start getting back on here again soon xx

solventsoon

Morning everyone :wave:

Just popping in to declare lots more NSDs for me :j:j:j:j Nos 11 and 12 on Thursday and Friday and no 13 today

I'll be back later to catch up, see you all then :wave:

IF

Afternoon all :hello:

Got my 9th NSD thank you :A

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!