The Autumnal October NSD Challenge

slowlyfading

HeadAboveWater wrote: »

Me too!!!!!

Hadn't been to dentist in at least year and a half so long overdue!! (and reasonably priced too all things considered!!!

How did it go?

butdoineedit? wrote: »

slowlyfading – ouch to the dentist, hope all went ok?

Yep - all fine

Declaring NSD 7 now so I'm not tempted to spend later on

Have a good day everyone

Igamogam

havent been posting but have now logged 5

HeadAboveWater

citizenkitten wrote: »

head above water - I AM FEELING YOU, FRIDAY FRIDAY FRIDAY :j:beer::D got a relaxing weekend on the cards

Whoop!! Whoop!! :j

Sounds like a good plan. Think mine will be something similar!!

butdoineedit? wrote: »

HeadAboveWater – ouch to another dentist, hope yours went ok too?

slowlyfading wrote: »

How did it go?

Thanks for checking up on me!!

Dentist went grand and mouth back to normal again! <---cheesy smile
Got one white filling as it was a bit closer to the front of my mouth. Very impressed though coz I can't even see it! So for checkup last week, clean and polish, 2 mini-xray things, and 2 fillings (inc one white!) - £66. Happy days

Not a NSD again today unfortunately. Will attempt one over the weekend but don't hold out much hope. Cafe's are waaaaaaaaaay too tempting

Have a good day and weekend everyone

p0lly

Morning all I am having a friday wiggle :rotfl:
I have a day off today so a lovely long weekend.

Citizen Kitty my plan is simple and just might work ? It is to write everything down I use over the next month and every meal we eat. So I will then have a months worth of shopping list and a month of meal plans. I will also note everything I spend. Then at the end of the month I can see where all my money is going as I said I feel I should be richer and its embarrassing that I do not know where it goes. Its my money for goodness sake and its hard to earn so I would like to keep some of it

Now I am going to look in cupboards and freezer and come up with a plan for this weeks meals and see what I REALLY need to buy tomorrow. I am hoping I will have a NSD but will check in later.

Good luck all P0lly x

solventsoon

freebyfifty wrote: »

Good Morning


NSD #11 for me yesterday

Woohooooooo, well done Freeby :j:j:j:j:j:j

freebyfifty wrote: »

It's Friday.......we should be wiggling

I'm wiggling as well, half asleep still, but wiggling :D



Back later to catch up with everyone, have a good Friday :wave:

debtfree_future

Hi everyone

I'm declaring 2 NSDs=6/12NSDS. These were Wednesday 10 and Thursday 11 October.


DFF

Motoko_2

This week has been bad not one NSD:(
Going to have to be extra good this weekend and stay in or I will never catch up!

Happy Friday everyone :j

Giggles86

Happy Friday everyone :-)

Could have managed a NSD yesterday if I'd known mum was going to take me shopping and pay for my bus pass (I'll have to get a job more often...i could get used to these treats!) instead I went into Tesco and found my favourite flowers were whoopsied so bought some to brighten up my room!

IF

Morning :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!