The Spend Free September NSD Challenge

solventsoon

Hi lovely people :wave:

Here comes Tuesday’s update, some great numbers being posted now, well done everyone:j:j:j:j

Well done to:

:j:j:jfreeby - yay to a fantastic no 17, you’re on such a roll at the moment. Keep it up!
Pleased you had a lovely weekend:T

:j:j:jpenny73 - yay to no 8. You’re doing brilliantly, keep going
Fingers crossed for another couple this week. I think everyone’s lives would be less spendy without kids!!:rotfl:

:j:j:jmissyv30 - yay to no 4 and a fantastic 2 in a row. You’re doing brilliantly, keep going
Hope you enjoyed the christening at the weekend and that you’re feeling better soon. You’ve really been through it over the past six months!:eek:

:j:j:jshezam - yay to no 1, you’re off the starting blocks now. Keep going, you can do it:)

:j:j:jDragon - yay to no 9, that’s brilliant and another yay for your 3 in a row. One more to get now, you can do it.
Sorry you’ve been laid up over the weekend:(, hope you’re feeling a bit better now:A

:j:j:jbrokemedic - yay to no 9 and well done for resisting your (not so) secret addiction today.;)
Nope, it’s not sad at all to look forward to double figures.. it’s all part of the NSD addiction that we warned you about!:rotfl:

:j:j:jLoubell83 - yay to no 6, you’re over halfway now, keep going.
That’s a good use for the survey vouchers, well done:T

:j:j:jOodNood - yay to no 16 and a fantastic 10 in a row. That’s amazing, well done you!:j:j:j
I love your latest trick, that’s a brilliant way to discourage yourself from spending;)

:j:j:jdonna dynamo - yay to no 9. You’re doing brilliantly, keep going!:)


:j:j:jrising - yay to no 13, unlucky for some but not for you
Ouch to your knee and finger, they sound painful, hope they both start healing soon.:A
Love the picture of the beach, Maisie and you must have a great time there.:T

:j:j:jrubyinamountainofrocks - yay to no 6, you’re over halfway now, keep going.
Fingers crossed for no 7 tomorrow
I love your signature.....;)

:j:j:jBDINI - welcome back, we missed you. Glad the holiday was fab, are you sure you couldn’t have fitted the sun in your suitcase though?:rotfl:
Yay to no 3, that’s a great start, fingers crossed for lots more to come
You’ve been busy since you got back:eek::eek:.........


Hello to:

JCG - sorry to hear about the job, that must be really disappointing, but hopefully the positive feedback will help a bit. It’s good news that they would contact you again, you must have made a good impression. Fingers crossed the other role comes up for you. :A

Nargle - that was a very productive and bargainacious day. Hope work isn’t too bad tomorrow and fingers crossed for NSD no 10 (and your target) tomorrow

kerri - another busy day for you.. Your pie should be fine reheated tomorrow though I’d probably put some foil over the top of it to stop it drying out

marmite - sorry about your spendy day, fingers crossed for no spends tomorrow

citizenkitten - eeekkkkk, that was a long day...... hope you’re getting paid for all of that?? Happy shopping tomorrow, well done for havng a budget for it, that’s half the battle

That's it for now

solventsoon

Back again, sorry :o

I've remembered how many NSDs I've nabbed now.... I'd be dangerous if I had a brain :rotfl::rotfl:

NSD No 16 for me now, and very happy I am with that :j:j:j:j

No 17 definitely won't be tomorrow but fingers crossed for Thursday

'night everyone :wave:

Learning2Budget

Morning. After a speedy few days i am looking for a NSD. Everything should be budgeted for. Fingers crossed for me. L2B.xx

brokemedic

Lunch all packed and drinks prepared.. So I am calling in NSD 10..

I am so excited, it's a little sad lol.. Also managed to sell another £30 worth of books on Amazon so that will go towards paying off my RBS debt..

Hope everyone has a good day...

bm

flubberyzing

Yesterday NSD#12 for me!
I'm not setting a new target this month... I think I'll just see how I get one for the remainder of this month, then re-evaluate my target for October.
Today might be a NSD as well, but I'll let you know later!

slowlyfading

Today is going to be NSD 11 for me

Have a good day everyone!

missyv30

Well its NSD 5 :jWITH 3 IN A ROW:j thank you solventsoon i had a lovely day at the christening. I have been through alot yes but i know there are people out there worse off. So i try and keep my chin up as i know i will get through it and its great the support you get on this site. Is amazing should have came on years ago so thanks everyone.:j

Loobeyloop

Afternoon all. rather nippy here, autumn is on it's way brrrr.....just checking in to say NSD#6today!
Happy wednesday all

IF

Afternoon all :hello:

Got my 11th 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!