The Spend Free September NSD Challenge

freebyfifty

Good Morning

Hope everyone is having a lovely weekend. :beer: Here's Saturday's update


Well done to everyone for another NSD



Beanielou – NSD #15 all done and dusted.:T That’s a brilliant total so far.:T

Fae – Well done on getting up to NSD #11. :T I hope you get the second interview and then the job. Sending you lots of luck.:)

Flubbery – Well done on getting NSD #14. :T Good job on the paper buying dodging too.:)

Ifwishes – An excellent NSD #12 for you. :T Well done. Keep going only another week left.:eek:

Learning2 – NSD #14 is a brilliant total to have so far. :T You have every right to be pleased with yourself. :T Well done.:)

Marmite – A brilliant NSD #18 for you. Well done. :T I’m afraid I disagree,:( I’d much rather be too warm than too cold which is unfortunate when you live in Scotland :rotfl:

Nargle – And another one makes a brilliant NSD #11.:T Well done you.

Rising – Another 2 in the bag (a sparkly new hand type one :rotfl:) taking you up to NSD #16.:T Control those urges today and enjoy the F1.:)

Slowlyfading – Well done on NSD #13.:T An excellent total so far.:)

Spoony – NSD #19 for you. :T That’s brilliant. :T Good luck for the last one.



And hello to


Missyv – It’s no problem fixing the front page for you. It was my fault it was wrong.:o
It has taken me a year of being on these boards to control my spending and my budgets so you are doing really well and remember that every NSD is a good NSD.:)

freebyfifty

Managed to scrape in under my shopping budget yesterday so I can declare mission accomplished and NSD #22 :T

Have a great Sunday everyone and I hope the sun is shining where you are too

bottleofred

Good morning folks,

Declaring NSD13 for yesterday please:D
I'm not sure how today will go, as I am going to visit my parents and may have a spendy, but will declare either way later. I hope everyone has a fantastic Sunday. I'm off to do some baking:D

IF

Morning all :hello:

Can't remember if I posted this before so forgive me if I have. My favourite is the first clip Night time day time!!

https://www.youtube.com/watch?v=EQ1HKCYJM5U

Victoria_Ke

NSD 08 and NSD 09.
Slept all day yesterday and today it is raining.

rubyinamountainofrocks_2

Hi

Wednesday was a NSD as planned (other than work travel).

Thursday was an accidental NSD as was out at planned event was expecting to spend but did not.

Friday was certainly not a NSD I had Chinese & Subway & went to the pub :eek:

So number 8 for me.

OH had a NSD day yesterday - rare for him and achieved by being in all day - am hoping to do that myself today

slowlyfading

NSD 14 for me today

Hope everyone is having a good Sunday!

rubyinamountainofrocks_2

Not a NSD after all.

Needed a new railcard soon as mine expires on 3rd October.

A google search found on hotukdeals 15% off (23.80) so have ordered one - (16-25 - code until 30th September).

IF

Hello :hello:

Got my 13th NSD thank you all :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!