The Remember Remember NSD November Challenge

FallenArcher

Just popping on to declare my NSD #4 for yesterday. It was a good money saving day as I was also earning some extra cash doing polling station duties - hopefully will get the money before Christmas! So glad it's Friday, hoping for a NSD day today, but we shall see. If it comes out of a budgeted for envelope I see some of you still count it as a NSD, whereas I've only been counting NSD as those where no money leaves either an account or a purse/envelope. What's the rules on this one?

Fae

NSD 11 for me today and 10 in a row

Fae

silvasava

NSD 8 today please - half way to my target :j Feeling cautiously optimistic of hitting target this month:D

IF

Afternoony all :hello:


Got my 9th NSD

Thank you
IF…x

rising_from_the_ashes

Ohhhhh IF ....... that did make me chuckle:)

Not one for me today......... and now thinking I may go hunt e*bay and see if I can find another thermal vest or two (and another pair of leggings would be good too!) now I've spent anyway......:o

Nargleblast

Not a NSD today as sorted out a birthday prezzie for someone. However, 8 is still good. And still time to get the other 7.

Fallenarcher - you decide what you will count as an NSD. I tend to count only those days where no bills leave my bank account and no money leaves my purse, so absolutely no spending whatsoever. This works for me as it makes me plan my expenditure for days when something is coming out of my account anyway, and sometimes, if it can wait a day or two then maybe I don't need to spend that money after all. Others don't count household bills, or any money they have already drawn out of their account and put in a jar or envelope for a planned spend. Whatever suits your circumstances!

beanielou

Not a NSD as been out for a coffee.

WinterGhosts

NSD number 6 yesterday and 7 today!!

woohoo!! 3 in a row, think tomorrow will be a spend day. been eeking out the food all week!

BritAbroad

I forgot to check in yesterday but am up to 5 NSDs for this month. So halfway to my target. Today isn't going to be one, and I have a feeling tomorrow won't be either.

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!