The Remember Remember NSD November Challenge

CandyCupcake

Checking in for NSD number 14 please

Candy
x

emslovesmickey

Ok back to business - NSD 12 today

freebyfifty

Good Morning

Well done to everyone for claiming another NSD



Blindtoast – Well done on grabbing NSD #8. :T I hope you have a lovely weekend with your mum & dad.:)

Britabroad – NSD #5 all safely tucked away. :T Well done and good luck for the next 5.:)

Candycupcake – Wow, NSD #14 for you. :T You are doing really well. :T Keep going there are lots more to be had.:)

Emloves – You certainly are back in business with NSD #12. :T Well done you.:T

Fae – You are doing fantastically well. :T NSD #11 and 10-in-a-row. :T Well done.:)

Fallenarcher – NSD #4 all done and dusted.:T Well done :T and I hope you get your polling cash before the dreaded ‘c’ word. :eek: Everyone counts their NSDs in different ways so it is really up to you what you count as a spend. Personally I have a weekly budget and if I stay within the budget it is a NSD If I don’t it’s not.

Ifwishes – Cute kittys and an even cuter NSD #9. :T Well blimmin’ done.:T

Marmite – Feel free to have the wiggle whenever you need it. :rotfl: And well done for wiggling your way to NSD #13.:T

Missyv – NSD #12 all bagged up and tied down, never to escape.:rotfl: Well done.:T

Muffy - NSD #10 bagged. :T Well done you :T and the next time you go for coffee, make sure it’s on him.:)

Penny73 – What do you mean ‘very poor’ :mad: you are doing really well. NSD #8 is a fantastic number to be at,:T it means you have saved money for 50% of the month so far.:T Don’t be so hard on yourself.;)

Piquant – An excellent NSD #10 and 4-in-a-row. :T Well done.:T

P0lly – I am so glad that this challenge has helped you and you are starting to feel the benefits. :T It is a great feeling to see nothing coming out of the bank account apart from the essential stuff. Well done on NSD #12.:T

Silvasava – You will hit your target no bother at all. :)You already have NSD #8 and half way there. :T It’s all downhill from here.

Taranaman – Well done on getting up to NSD #4.:T I hope you enjoyed your quiet night in.:)

Winterghosts – Well done on getting NSDs #6 & 7 in the bag.:T It’s good to have you in the challenge and seeing you do so well.:T

Young_un – I am glad you are enjoying the challenge, it definitely makes you focus on your spending. :T Well done for being up to NSD #8,:T it’s always great to get over the half way hump.:)

freebyfifty

NSD #16 for me yesterday :j

I also managed a little bonus. I checked my gas & electricity meter readings in with my supplier and I was in credit so I have asked for the money to be refunded to me and my monthly direct debit to be recalculated. I am now £100 richer and have my payments reduced by £10 a month. :j:j A good days work I reckon :T

Have a brilliant Saturday :beer:

freebyfifty

Me again - sorry

I think I might have missed some people in the update

I just started from when I last updated the front page and didn't go back any further - oops. If I missed you, I am sorry

bottleofred

Good morning folks from a very cold NI:eek:

I've had a busy enough week with work and my mum being in hospital etc, but things are ok:). My mum will need an operation and will be staying in hospital for the next 3-4 weeks until she has it, but is in the best place as she was quite sick.:(. However, she has improved dramatically since Tuesday, so hopefully everything will be ok:).
I am declaring NSDs 8&9 for Wednesday and Thursday:). Yesterday wasn't as I had to do some grocery shopping and although I am working today, it definitely won't be an NSD either. I haven't yet had a chance to catch up on the posts, but hope everyone is ok and send hugs to those who need them.:)
Freeby, no apology necessary if you have missed anyone on the update, as everyone appreciates you updating the forum:):T

rising_from_the_ashes

fedupandskint wrote: »

A very expensive day today of car service and MOT - £180 and then dog grooming hair do today too £31. Anyway, had a think about budgeting for next year and have devised a plan to save up with a safety cushion for next year's MOT and service to put a monthly savings plan in place.

I started around this time last year with the car ..... it's hard work at first - although if you start now with a full year until it's needed again, it should be OK as just normal monthly amounts needed (I had to overpay to mine by huge amounts at the start to get enough in them for when needed).

marmiterulesok wrote: »

I hope that your budgeting plans work out.It does take a bit of discipline,but is so worth it.

Budgeting really has changed my life for the better.:D

Couldn't put it better Marmite:) - need to work on the "Others" pot next year as this has fallen by the wayside (Dentist, Hair, Glasses, Clothes & Presents) and was cleared out to try to counter the OD:o:eek:

Have a lovely weekend off :T

freebyfifty wrote: »

I checked my gas & electricity meter readings in with my supplier and I was in credit so I have asked for the money to be refunded to me and my monthly direct debit to be recalculated. I am now £100 richer and have my payments reduced by £10 a month. :j:j A good days work I reckon :T

:j:j Brilliant news Freeby


Well, I've managed to make £67 this week :

• Goodwill gesture from utility co as they didn't turn up to service the boiler on the day that they were supposed to (8 - 5:30 call out time and NO phone call to say they weren't coming :mad:).
• Refund of overpayment taken by Gas & Elec company + goodwill gesture (and they've finally amended the d/debit this month:T)
• Sold some cat food on the pet forum - someone came up with the idea of selling odd tins / pouches etc. Brilliant as they now nearly all come in multi-paks - inevitably they don't like one flavour in the pack or (in my case) you buy something to try & the wee [STRIKE]sods [/STRIKE]darlings won't eat it. So glad I'm not the only one with fussy cats :rotfl:
• Refund of cat's cancelled insurance policy - took out a cheaper one but still good company & actually a higher level of cover

The cat food & insurance money will pay for the new litter tray I bought a couple of weeks ago, so happy!


Wish I could do that every week!:D:o




Have a lovely weekend all......

FallenArcher

Able to declare NSD #5 for yesterday :-)

Thanks for responses re. rules Marmite, Ifwishes, Freebyfifty - really useful to hear how other people do it. Nargleblast- that's the approach I've been taking and it's working well for me. I am trying to underspend on my budgeted for pots as part of 1% challenge so this one is really helping with that and getting me to think through spending decisions every day. The only expenditure I'm still including as NSD is eBay postage as that's been paid for by the buyer.

Today won't be a NSD but will keep as low spend as possible. Also going to make use of free listing weekend on eBay. Have a good weekend all.

freebyfifty

rising_from_the_ashes wrote: »

Well, I've managed to make £67 this week :

• Goodwill gesture from utility co as they didn't turn up to service the boiler on the day that they were supposed to (8 - 5:30 call out time and NO phone call to say they weren't coming :mad:).
• Refund of overpayment taken by Gas & Elec company + goodwill gesture (and they've finally amended the d/debit this month:T)
• Sold some cat food on the pet forum - someone came up with the idea of selling odd tins / pouches etc. Brilliant as they now nearly all come in multi-paks - inevitably they don't like one flavour in the pack or (in my case) you buy something to try & the wee [STRIKE]sods [/STRIKE]darlings won't eat it. So glad I'm not the only one with fussy cats :rotfl:
• Refund of cat's cancelled insurance policy - took out a cheaper one but still good company & actually a higher level of cover

The cat food & insurance money will pay for the new litter tray I bought a couple of weeks ago, so happy!


Wish I could do that every week!:D:o




Have a lovely weekend all......

Bloomin heck Rising and I thought I had done well.

You truly are in MSE mode :money: Long may it continue

freebyfifty

bottleofred wrote: »

Freeby, no apology necessary if you have missed anyone on the update, as everyone appreciates you updating the forum:):T

Thank you. It appreciate being appreciated :rotfl:

Hope your mum gets better soon and things start to calm down a bit for you :A