The Spend Free September NSD Challenge

beanielou

OutofDebt-NOT-OutofDanger wrote: »

Hi All,

NSD #17 today and 11 in a row.:j:j

No spends planned now until the weekend, but we shall see how things go!

That's a great result.

butdoineedit?

Well it's good to be back on the NSD bandwagon, & there's some amazing totals being collected!!

Lots of NSDs rolling in today, so well done to:

solventsoon – well done for number 16, that’s definitely a total to be happy with!! :j:j
Hope today’s spendy day wasn’t too painful?

brokemedic – well done for number 10 & great news on the amazon sales!! :j:j

flubberyzing – well done for number 12 & 13, you’re having a great month!! :j:j

slowlyfading – well done for number 11, you’re doing great!! :j:j

missyv30 – well done for number 5 & 3 in a row, you’re off to a great start!! :j:j
Glad you’re finding this site helpful, keep posting on the challenge too, the guys on here really are the most amazing supportive bunch ever!!

Loobeyloop – well done for number 6, you’re doing great!! :j:j

ifwisheswerehorses... – well done for number 11, & that picture really did make me laugh!! :j:j

marmiterulesok – well done for number 15, that’s a great total!! :j:j

rising from the ashes – well done for number 14 & yay to the knee & finger feeling better!! :j:j
Ooh sun & beach for you, I am a little bit jealous!!

donna dynamo – well done for number 9, you’re doing great!! :j:j
:mad: to the lost PE kit, I hope it turns up!

EverTheOptimist – well done for number 6 & for being so organized!! :j:j

Victoria Ke – well done for number 7, you’re doing great!! :j:j

OutofDebt-NOT-OutofDanger – well done for number 17 & 11 in a row, that’s an amazing total!! :j:j

And hello to:

Learning2Budget – my fingers are firmly crossed you nab that NSD!!

beanielou – hope you enjoyed your coffee Beanie?

kerri gt – hope you have your feet up now? Wow to being so organized for xmas already!

& number 4 for me today :j:j

citizenkitten

solvent - unfortunately not but i will be going to a job interview on the 25th lol and well done on 16 NSDs

L2B - fingers crossed!

brokemedic - it is not sad, every victory is worth celebrating. trust me i will be almost having a rave if i met my paltry target of 5 NSDs this month.

missyv - yeah i think nearly all of us wish we had MSEd years ago. I wish i had resolved my issues with money years ago, as all of my debt I ran up in 8 months of being unemployed and just buying things because I was miserable. I had paid of 7 grand of it a couple of months back and as a "reward" I bought my car.... my LBM came this month when literally all my money ran out.

rising - glad to hear the knee is getting better, after tehe black and blue phase you have the even more flattering yellow stage... lol

yep no NSD for me, shopping for anniversary presents and wont be an NSD tomorrow either, got to pick up one last thing, get petrol, pump up my tyres and pay for dinner.

silvasava

BDIN - SS & IWWH

Not joining this month - too much going on although I have managed quite a few NSD's but can't remember how many.
Will try to join again in October - Good Luck to everyone this month!

Pips_Mum

Hello All!

I am alive! Going to completely give up on NSDs for September as its just not happening and if I do get a NSD i keep forgetting to post!

Baby Pea is arriving in jst under 3 weeks so I am trying desperately to get evrything sorted like my Winter prep and also the bulk of Christmas shopping (cant face trawling shops with Csection scar, toddler and newborn!!).

Well done to everyone on the usual great totals and I will try and join you again for October, won't be able to move so won't be out shopping!

Loubell83

Yesterday was NSD#7 for me.

10 days of the month left and 3 NSDs to go to reach my target...I know that I can do it!!! :j

ModestyB

Tuesday was NSD 8.

ChopinonaBudget

Hi all,
I'm confessing to ducking out of this challenge this month, I'm finding it impossible to get any NSD with the combination of my daughter's birthday and her new GCSE courses starting in school, none of which I begrudge paying money out for, but every day there's either a memory pen for music or some tupperware for cookery, or a language dictionary, or a science book, or something, arghhhhhhhh !
See you in October, things will have calmed down a bit by then

IF

Morning all :hello:

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!