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

solventsoon

CommitedToChange wrote: »

3/15 NSD for me today - mainly because I'm not leaving the house - I'm trying to locate all my paperwork so I can accept the horror that will be my tax bill :eek: (yes I know I should have done it ages ago) My aim this year is to keep all the paperwork filed neatly.

I have even less of an excuse for not having done my tax return CTC, all my paperwork is sorted I just "haven't got round" to doing the damn thing:mad::mad: So another last minute one, same as last year:mad::mad:

I think we should both make this top of our new year resolution list

freebyfifty wrote: »

Oh no, Oh no. Not the 'f' word.

Can you hear the music???? Dum dum, dum dum, here he comes



We never, ever use the 'f' word. We just have a little blip

Freeby that's brilliant:rotfl::rotfl:

EverTheOptimist

Evening all,

Just had a 'quick' catch up, blimey how many posts in a day.

No NSD today as out for tea in a bit, i was thinking this morning about popping to the shops as it was going to be a spend day, however i decided that i didnt need to have a 'wasteful' spend just because it was a spend day.

I smiled at the 'f**l' word but i was beaten to the telling off.... sorry guiding.

marmiterulesok

kezlou wrote: »

Yesterday we spent money at the hospital, took ds2 to the specialist, he been officially discharged, :j No signs of asthma:D.
Then we went to A&E as i was inagony spent 4 hours there so we dought drinks for ourselves. Naughty i know.Came back and had a lovely made by OH.

Sorry i haven't caught up with the thread, the painkillers are messing with my brain and vision. So sorry if i'm not contributing much or i start rambling .

Glad to read that your son is fine,hope you're better soon!

beanielou wrote: »

Blimey positivelypurple £4 is cheap for a indoor valet.
Wish you lived near me.

NSD no 4 today.
Feeling as if I am coming down with something,bah is all.

Happy Friday all.

Maybe you need anothet duvet day?

Today is #3.

I can walk with a straight back today,but any kneeling or bending/lifting and I have to be very careful.I am taking a lot of drugs though.I don't think I'm out of the woods yet and I'll go and see my GP on Monday.Thanks for all your kind words.

Have a great Friday night everyone!

Helsbels8080

Good evening all

My second post of the day because I can declare NSD #3 as I am going nowhere now so no chance of spending money.

Lovely homemade fish and chips for tea with a glass (or two) of leftover Christmas wine :beer:.
Not sure tomorrow will be an NSD as birthday present to buy and parcel to post but Sunday should be.

Enjoy your evening everyone, will pop in tomorrow to catch up on the latest.

Debtbusterintraining

Declaring NSD 3/8

lottie3000

Number 3 for me today, i'm feeling quite positive that I am going to manage this. I think I was over optimistic with starting in December it must of been the most expensive month??

Candlewick

Hello to everyone

I've not been 'on the boards' for the past couple of days so have yet to read through all the updates but have briefly scrolled through.

Well done to all of you.

I am feeling sorry for myself tonight.

No NSDs (but d/ds) for me and struggling with not only not smoking (am on day 4) but because I have two problems now, the first of which is the continuing problems I am having with the courier that I paid last Friday, should have collected Wednesday and then today and the parcel is still in my hallway awaiting collection despite my phoning and e-mails.

My calculations on my stoozing c/c are also wrong. I thought I was about £300 down but it's now looking at £480.

I am hoping for an NSD not only tomorrow but until I get paid otherwise I am likely to be doing a balance transfer (trying to avoid excessive fees) and I am already a credit card 'tart' so to speak.

I can pay it off but with charges.

My results are:
4 days of not smoking (£27) (not sure I will make it 5 :-( )
NSDs (1)

Will any of you understand if I said .........

I need routine in my life and if that means going back to work then so be it? Am I the only one that thinks like this?

I had a few years of debt and have come out the other side, only to see myself beginning to feel I could start this cycle again.

I miss my cigarettes, not because I enjoyed smoking but because I just miss it.

CW
xx

Florida2013

Oh CW - have a squash.

I think you need to see them as separate problems.

You are doing so well with not smoking so tats a plus.

It's annoying the parcel hasn't gone but you can sort that out.

The stoozing I cant help with.

You've had so much positive stuff - don't let this blip get you down.

couldsavemore_2

evening . decided to do shopping tonight so filled car up with petrol as well so a definite spend day for me but on the bright side tomorrow should be a NSD no plans to go out.

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!