The Autumnal October NSD Challenge

penny73_2

NSD 1 for me yesterday and hoping for nsd 2 today

citizenkitten

Question.....

I have a dd that goes out to another bank account for food, otherwise my food bill can end up at *400* a month COUGH COUGH! yes just me...

anyway how many of you would count buying food on this account as a spend?

I am in two minds about it, want to set myself hard targets but be realistic. as technically not a spend as i have spent the money already, however it is spending money...

slowlyfading

citizenkitten - I count a NSD as a day where I don't spend anything, but then all my DDs come out on the same day

Posting this now, so I can't change my mind NSD 1 for me today please!

Loubell83

citizenkitten wrote: »

Question.....

I have a dd that goes out to another bank account for food, otherwise my food bill can end up at *400* a month COUGH COUGH! yes just me...

anyway how many of you would count buying food on this account as a spend?

I am in two minds about it, want to set myself hard targets but be realistic. as technically not a spend as i have spent the money already, however it is spending money...

Hi there,

It is up to you whether you count this as a no spend. Some people do not count this as it is part of their budget, and some do. If you have a look at post number 4 on page 1 it explains that its up to you to set your own barriers.

I personally count food and petrol as a spend as I dont have a seperate account for them, however I do not count DDs as a spend as they have to be paid - end of!

I am declaring NSD#1 for me yesterday - good start to the month! Today wont be one though as I had to get petrol this morning - the joys of commuting

butdoineedit?

solventsoon wrote: »

BDINI - hope you enjoyed you drinkies tonight. Good luck with the language course tomorrow, hope it goes well :A Being nosey here - what are you learning?

I'm doing beginners Turkish Spoon, every year when i go on holiday i say how much i wish i could learn just a little bit & i've finally found a course that isn't just holiday conversation, but a proper intro to the language, so i'm really excited to start!!

citizenkitten wrote: »

Question.....

I have a dd that goes out to another bank account for food, otherwise my food bill can end up at *400* a month COUGH COUGH! yes just me...

anyway how many of you would count buying food on this account as a spend?

I am in two minds about it, want to set myself hard targets but be realistic. as technically not a spend as i have spent the money already, however it is spending money...

As others have said it's up to you to set your own rules, but i would ask yourself if food spends is something you want to reduce? If it is then it may be helpful to count the days that you spend, if not you could exclude them.
I say this, because i always used to overspend on food based on the fact that i could always justify buying food more than clothes or other rubbish but since i started this challenge i have halved my grocery spend as i think about what i really need & don't give into cravings for foody treats & i no longer have a freezer stuffed full of whoopsied stuff i'll never get round to eating!!
Good luck with deciding!!

HeadAboveWater

Blast!!!!! Was doing so well yesterday and then OH decided at 9pm last night we had to go to Tesco's to do a food shop!!! Normally do it on a Tuesday so was saving my Poundland shop for today too, but now it means I've shopped both days. Plus we're out for dinner tomorrow night so really not a good start to the month! Sooooo disappointed

I do budget myself every week so technically I'm not overspending, but I want my NSDs to be totally and utterly NO spending!!!!

Good luck to everyone else! I can see some of you have got off to a much better start than me!!

BigMummaF

Coo-ee :wave: Morning My Lovelies (I just a-dorr the accent of the dinner lady on the cheesy triangle comparison ad )

Well...:think:...August I managed a rather good 17, which was simplee ham-aazing Darr ling ( :doh:do you think I've been seeing just a smidge too much of that judge blokey on $tricky Don't Care ) but last month became a blur of one minor crisis after another.

Still operating two homes so I'll not set a target if that's OK, but I do want to get as many as I can cuz it'll soon be C
arnival Time come Summer _party_ Hands up! Who thought I was going to say summink else then :rotfl:

For now, I am pleased to announce no1 was grabbed kicking & screaming from the jaws of a seeded batch, but I fear the call of the Sliced Multigrain is too strong to ignore for much longer.

webitha

well i have had an enforced ns october for this week.....i have lost my purse so have had to cancel my cards and get them reissued
luckily i got lots in lol

beanielou

Spoony~Well done on resisting :j

gilly1964

NSD #1 for me yesterday :T

And looking good for today too:j