The Remember Remember NSD November Challenge

slowlyfading

NSD 13 for me today

Have a good day everyone! :hello:

flubberyzing

I wanted to ask the advice of you lovely people.

For the past 18 months or so, I have been saving 50p coins. I now have £66 saved. But now I'm wondering what to do with that money?

The thing is, I have no debts per se (just a student loan, but I don't count that), but because of having to do supply teaching at the moment, my income has taken a huge dive, so I'm doing all I can to live cheaply.

So this £66 doesn't really need to go into my bank account, but because I'm short on cash generally, I'm not really keen on the idea of spending it on something frivolous. Sooo... Do I just absorb it into my grocery budget (£50 a month), spending bits of it in cash from time to time? Or something completely different I've not thought of?

Fae

NSD 14 for me yesterday and 13 in a row :j
Just 4 more for this months target

Fae

Fae

flubberyzing, great that you have managed to save so much money, :j could you keep it as an emegency fund ? or do you already have one of those ?

Fae

webitha

well yesterday was NSD 6

today though will be a spend day...kids accidently forgot to tell me that we had run out of milk despite me buying 8 pints two days ago grrrrrr
so off i toddled to the shop at 7am so i could have a coffee this morning

flubberyzing

Fae wrote: »

flubberyzing, great that you have managed to save so much money, :j could you keep it as an emegency fund ? or do you already have one of those ?

Fae

I don't have an emergency cash pot in the house... I have a pot of £2 coins, but that is for my car tax in January.

So, yeah... I guess this could be my emergency fund... Like for things like parking (I never seem to have change when I need it!) or milk for my coffee!

beanielou

flubbery~I would keep it til there is something you really want/need.

IF

Afternoony NSD'ers :hello:


Got my 11th NSD

Thank you
IF…x

chris81418

Hello everyone! :wave:

butdoineedit? wrote: »

chris81418 – well done for number 8, you’re doing great!! :j:j

Thanks BDINI! And since my last post I have managed to catch 6 NSDs smashing my in-a-row target with 8 NSDs in-a-row and taking my running total up to 14 NSDs so far this month! :j

Unfortunately, today and/or tomorrow will be a spend day as a food shop is due; however, I plan to get straight back on the wagon!

Have a good day everyone and good luck catching more NSDs!

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!