Shiny New Year, Shiny New Start. The January NSD Challenge

Loubell83

NSD#11 for me today.

Slowly but surely!

heartbreak_star

I've been really poorly this week, sadly, but on the bright side it means I've gotten another 3 NSDs...bringing my total to 10!! I've hit my target

Doesn't mean I'm going to slack off though

HBS x

MummyRivett

butdoineedit? wrote: »

I'm fairly sure that i read something quite recently that the rules around this had changed & that any payments now had to be taken from the balance attracting the most expensive interest first, which means that you'd get all your interest free period, i think it was on the back of a credit card statement actually, so might be worth checking yours to see if it tells you.... (& if you find it, please report back & let me know i haven't just imagined it!!)

Thank you for this, I'll take a look tonight. I did read the letter and T's & C's but it wasn't very clear. I am waiting for them to send me a new card as I need the expiry date and code to claim this offer - I did tell them that I cut up my original one as I'm just want to pay everything off once and for all, to which they were impressed. - when I phone to make the transfer I will make sure I am fully aware of how the interest and payments are calculated. I don't want to get my fingers burnt.

MummyRivett

moneypenny2k - great news on the amount you've paid back on your credit card, well done.

Today I'm still going strong with my NSD's I have no intention of purchasing anything again today so that brings me up to a subtotal of 22 NSD's so far this month, I can't believe it.

I was reading an article today in which it suggests that to form a new habit it takes 66 days. I am going to try this with the NSD and see whether this works. So the only spending I am going to try and keep on in the same vein as I have been since December the only spends will be the Direct Debits and my monthly travelcard. If I can do this I'm sure I will be well on my way to clearing off all the debt and then save the money we need for our the deposit of our the house we currently rent - long story for another day. -

here is the article it's quite good:

http://psychcentral.com/blog/archives/2009/10/07/need-to-form-a-new-habit-66-days/

IF

Afternoon all :hello:

Got my 14th NSD

Thank you
IF…x

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!

kittiej

Hi there - long time no type!

I've been ill with the dreaded flu for the past week so I would like to add 9NSD to my total please making a total of 17 NSD. Unfortunately if I want to hit my target it means I can only spend either today or tomorrow (as it's my bd) so will have to go shopping tomorrow. Never mind at least it's pay day for me tomorrow - hurray!

zafiro1984

Just totalled up NSD's, just up to 18 NSD's so far and I have no reason to venture out again this month so hopefully will hit target - just

slowlyfading

Yesterday was NSD 15 and today is NSD 16

HeadAboveWater

So far a NSD today but may be going to cinema later with OH and OHs DD1-3, in which case not a NSD!

Guess I'll be updating later!!

And :T on the 1000+ everyone