The Spend Free September NSD Challenge

penny73_2

NSD 8

Well yesterday turned into another NSD:beer::beer:

However the weekend was definitely not. :eek::eek: Must try harder and be better planned:j:j

This is a very quiet week so hopefully may add another couple of NSD later this week:cool::cool:Although I'm sure that if I didn't have kids I wouldn't spend money on anything other than petrol Monday to Thursday:rotfl::rotfl::rotfl::rotfl::rotfl:

Have a great Tuesday everyone!!!

missyv30

Morning all,
Just updating spent over the weekend had a christening. So knew the weekend would be bad but yesterday and today was nsd so am on my

:j4TH NSD WITH 2 IN A ROW .:j

Full of the cold so back to bed for me, cant wait to get back to work hopefully next week. Been off for six months was only meant to have my back operation, but ended up having my gallbladder out aswell. :eek: So atleast when am back to work there will definetly be no spending for me. :rotfl:
have a good day to everyone.

shezam

Very happy to announce NSD 1 yesterday! Yipeeee

The_Dragon

Well laid up in bed in pain over the weekend meant that I am up to to 9 nsds and got my three in a row as well! :j:j:j

brokemedic

9 NSDs so far.. I shall be at work all day today, drinks and lunch all packed so no money will be spent... Went out to the Post Office and it was only the thought of posting my 9th NSD that stopped me buying Grazia, my secret addiction..;)

Is it sad to admit that I am really looking fwd to having double figures tmrw...:D

beanielou

Wow freeby that is an amazing total~:j
Glad you had a good weekend

Some great totals so far :j
Happy Tuesday all.

IF

Afternoon NSD'ers :hello:

jaffacakegal

Afternoon all!

Just had a call bout the job I really wanted and they have decided not to progress my application to 2nd stage interviews whilst it's disappointing, I got really good feedback - they said there was nothing I could change with my interview to improve my chances and if another role came along they wouldn't hesitate in contacting me so Just one of those, other candidates more qualified/experienced than you things.

Been put forward for another role through that agency already :rotfl:

Yesterday was a spendy - direct debit and liquid gold :mad: fingers crossed no excuse to spend today!

JCG x

Loubell83

Here to report NSD#6

Was really quite easy yesterday, but today is a different story as I just started to do a bit of Xmas shopping - although I used vouchers built up from surveys I still count this as a spend!

Will need to be another NSD for tomorrow as I am skint until I get my next pay on Friday...so hopefully will be able to report number 7 at the end of Wednesday!

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!