The Autumnal October NSD Challenge

beanielou

Bdini~That is not good.
Enjoy your pint.

Another one today.
Lost count TBH.Think it might be no 20.
Too many other things going on.

p0lly

Yippee number 11 NSD

Hope your drinkies cheer you up:beer: BDINI sounds as though you are really going through It at the moment.

love P0lly x

gien

NSD 7 here at last.

Today is pay day so tomorrow I'm going to take out next week's money in cash and put it into envelopes for lunches, emergency milk, subs for kids activities etc. I'll also buy a few tickets for the trams and fill up the car. Then it's off to the supermarket (lid*) for next week's food, must plan that - think we're going to have a soup week to be honest. So I'll consider the money 'spent' when it goes into the envelopes so I'll hopefully get a few more NSDs next month

Victoria2322

well since I started about a week ago, I ended up having a bad cold etc and had to get supplies in as pregnant and can't take what we have in the medicine cupboard. We ended up having a few spend days, as a family! If it was me on my own I would have had lots of nsd! Oh well!
Today is my NSD2!!

sue09

NSD 6 at last,thought I was never gone get another.Too much buying bits & bats and a couple of birthdays.I'll have to start buying more in advance & cut down spending days down.I also have to confess I bought myself a couple of jumpers.

freebyfifty

Good Morning


NSD #25 and 2nd target reached yesterday :j I have increased it up to 28 which should keep me on track until the end of the month.
Speaking (typing) of the end of the month, watch out for the November thread which I will probably do sometime today so everyone has plenty time to sign up and declare their new target.

BDINI - Hang in there hun, we are all right behind you every time you step into that office. Don't let them intimidate or bully you and keep a record of everything that has been said to you, who said it and who was there at the time as a witness. I hope it's not as awful as it sounds and you have some colleagues who are behind you and supporting you. You know you always have your old men and us if you need a posse :rotfl:

And if all else fails, have a wiggle

butdoineedit?

Nargleblast wrote: »

Bdini, I hope you are keeping a written record of all these threats, including dates, times, who was present etc. Useful ammunition in case of need.

Oh yes, i have a special notebook (reused i might add, so it's MSE :rotfl:). It goes everywhere with me & everything gets written in it!!

beanielou wrote: »

Bdini~That is not good.
Enjoy your pint.

Another one today.
Lost count TBH.Think it might be no 20.
Too many other things going on.

Thanks Beanie, the pint was just what i needed to take my mind off it!
Hope all the things you've got going on are good & everything's ok with you?

p0lly wrote: »

Hope your drinkies cheer you up:beer: BDINI sounds as though you are really going through It at the moment.

Thanks Polly, it's tough at the mo, but i'll get there... i hope!!

freebyfifty wrote: »

Good Morning
BDINI - Hang in there hun, we are all right behind you every time you step into that office. Don't let them intimidate or bully you and keep a record of everything that has been said to you, who said it and who was there at the time as a witness. I hope it's not as awful as it sounds and you have some colleagues who are behind you and supporting you. You know you always have your old men and us if you need a posse :rotfl:

And if all else fails, have a wiggle

Thanks Freeby, that's a lovely sentiment & i definitely feel you all behind me on bad days at work!! I hate to say that it is as awful as it sounds, but i know it can't go on forever.... & today's friday, so i'm definitely wiggling!!

lotti379

Two more in the bag!

6/7!!

GOT to get that final one now!

Frugal_Saver

NSD No 6 yesterday. definitey not going to hit target this month. Spending the weekend away with OH and then on Monday we have to do a food shop to last us the month, can't put it off any longer. Hopefully another 1 or two Tuesday or Wednesday and I'll be happy with that.

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!