The Autumnal October NSD Challenge

lotti379

NSD 1 today! Need petrol tomorrow unfortunately, off to head office. Nice to have a jaunt!

butdoineedit?

(((((((((((big hugs))))))))) Rising, i hope your tum settles a bit soon, but well done on the weight loss!!
I have to agree with you & Beanie tho about healthy stuff being so blooming expensive! have you tried the market? I often find F&V so much cheaper there than the supermarket...

webitha wrote: »

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

Sorry to hear that, hope you get them sorted soon.

freebyfifty wrote: »

Front page updated up to this point.
There is so many of us that I am trying to stay on top of it :eek: but I dunno how long that will last

Your doing a fab job Freeby, but just to help you out by having one less person to update, i decided not to get an NSD today :rotfl::rotfl::rotfl:

Well it wasn't one as i passed a key cutting place on my way to turkish class & really needed to get a key cut for my friend to have now, as i fear a moonlight flit will be the only way she actually manages to leave & i'd hate for her not to be able to get in my house if i'm out or at dad's when she does it!

Didn't buy any rubbish though, just that, so i'm still pretty happy with myself, and my class was brilliant, i just can't wait to go again next week
Pretty shattered now though, so might just retire to bed with a hot chocolate & my book, night all!!

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!

penny73_2

NSD 2 and 2 in a row :j:j:j:j

So not having time to breathe between DD1 and her activities makes life more interesting and spending impossible:j:j:j:j:j
This makes my bank balance (and OH) happier

Hope everyone has had a good start too
:rotfl::rotfl::rotfl::rotfl::rotfl:

InaPickle

Hi NSDers! :wave:

Day 2/2 and 2 in a row on the old making lunch! I'm just home from the theatre and will have to make it for tomorrow as well...but I'm so sleepy...*yawns loudly*

Learning2Budget

NSD 1!!! onwards n upwards!!

solventsoon

freebyfifty wrote: »

Good Morning

Spoony - Thank you for that mega update. :A

Pleasure freeby... another mega one coming up by the looks of it:D

butdoineedit? wrote: »

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!!

That sounds great BDINI, good for you, here's a little message for you, your first translation exercise

beanielou wrote: »

Spoony~Well done on resisting :j

Thanks beanie, I was sorely tempted as well:D:D

InaPickle

Right, despite being so cream crackered I could pass for a pack of Jacob's finest I have been a good girl and made my lunch.

NSD3 and 3 in a row, please!

(Although yes, it has been tuna mayo salad sandwiches for 3 days in a row. I'm getting into a routine; variety comes later!

solventsoon

Hi lovely people :wave:

And here’s the second update for October.... lots of NSDs rolling in today, well done everyone:j:j


Welcome to:

:wave: nannygladys - good luck with your target of 15, you can do it!:T
Sounds as though you’ve got a busy month ahead of you


Well done everyone for your first NSD of October:

:j:j:jBMF - lovely to see you again, I do miss your posts. Hope your muvva is well and not annoying you too much?
Off the starting blocks now with your NSDs now as well, yay!! Fingers crossed for lots more this month

:j:j:jDragon - off the starting blocks now, yay!!

:j:j:jEverTheOptimist - woohoo, that’s definitely a great start for you
Info about NSDs is never a ramble, we can all learn from each other

:j:j:jIf - woohoo, that’s definitely a great start for you, keep going!
I love today’s pic, that’s definitely one of the best so far

:j:j:jkerri -you’re definitely off the mark now, keep going!

:j:j:jL2B - woohoo, great start for you, definitely onwards and upwards!

:j:j:jLMac - off the starting blocks now, yay!!
Glad you liked the tip about planning your NSDs, hope it helps you this month

:j:j:jlotti - woohoo, great start for you, keep going!
Enjoy your jaunt out tomorrow

:j:j:jLoubell83 - woohoo, that’s definitely a great start for you.
Commuting.... I remember that well, and don’t miss it in the least, hope your journeys aren’t too awful at the moment

:j:j:jmrs motivated - off the starting blocks now, yay!!
I have to say that I love your signature:rotfl:

:j:j:jOodNood - a successful capture of NSD no 1 is always worthwhile. Keep going now

:j:j:joopsadaisydoodle - off the starting blocks now, yay!!
Yes of course that’s allowed if you don’t think you’re cheating yourself, it seems OK to me as you didn’t spend the money on Monday. Oooh George Michael, hope you have a lovely time

:j:j:jrubyina - off the starting blocks now, yay!! Keep going

:j:j:jsf - woohooo, that’s a great start for you.
Well done for declaring early, that’s definitely the way to go!

:j:j:jSpending Vs Saving - off the starting blocks now, yay!!
I’m pleased you found your NSD finally, you’re definitely safe from the bat curry for now:rotfl:

:j:j:jStand Fast - victory indeed, you’re on the way now. Keep going

:j:j:jstripeyjumpergirl - and another great start. Keep going now, you can do it


And a big “woohoo” to you all for your second NSD of October:

:j:j:jgilly1964 - off the starting blocks now, yay!!
Fingers crossed for no 2 today, you can do it
:j:jAnd you did... well done you!! Keep going now

:j:j:jIgamogam - another brilliant start for you, keep going now

:j:j:jnannygladys - that’s a brilliant start for you, woohoo indeed. Keep going now

:j:j:jpenny73 - off the starting blocks now, yay!!
Fingers crossed for no 2 today, you can do it
:j:jAnd you did... well done you!! Keep going now

:j:j:jrising - you’re doing brilliantly this month, keep going now
Really sorry about your health problems, take care and be really careful for the next couple of weeks :A


:j:j:jAnd an even bigger “woohoo” to Pickle for her third NSD of October
That’s a brilliant start for you, well done for making your lunch despite being cream crackered.
How about egg mayo salad as an alternative?


Hello to:

citizenkitten - I think you’ve already had lots of advice on your question re food spends. I’d just say that if you think you need to target this area to help you get DF quicker then include it. Or maybe set yourself a budget for the month/week and class the spendy days as no spends (if you don’t spend anything else of course) until your budget runs out

HeadAboveWater - oh dear, OHs have such wonderfully bright ideas sometimes don’t they? Never mind, there are plenty of potential NSDs available for October, you can do it:)

webitha - oh dear.... sorry to hear that you lost your purse, it’s awful when that happens.:( Hope you and your cards are reunited soon

flubberyzing - great news about your eye, hope it’s much less painful now. The hospital parking is small compared to a healthy (and pain free) eye:j:j

BDINI - well done for not buying rubbish today and good news that you enjoyed your class tonight :A


No NSD for me today, I succumbed to temptation :o:o:o and won't be tomorrow either as it's food shopping day... have I ever told you about how much I hate food shopping :eek::eek::eek:

'night everyone, if you manage to get to the end of this you deserve a medal

freebyfifty

Good Morning

NSD #2 yesterday :j


Thank you for all your support. :A You are a brilliant bunch :A I really quite enjoy helping to do the thread, it keeps me motivated so I should be thanking all of you :A


Have a great Wednesday