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The Mad March NSD Challenge

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Comments

  • Morning all,

    No NSD news to report for me, despite trying very hard! I need another 10 to reach my target, which is going to be somewhat challenging.

    Hope everyone else is having more success this month :D
    CC1 £5999 Total Debt March 2021 £5999
    NSDs March 1/20
  • Sazzie23
    Sazzie23 Posts: 2,634 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker Post of the Month
    :rotfl::rotfl:Sazzie?????? Did you forget to do something??????? :rotfl::rotfl:

    Hi all,

    Sorry, sorry, Sorry :A I got confused, when I checked on Sunday, - I logged in early (for me) I thought it was done already, someone thinking I was dopey and would forget:rotfl:, so I put it to the back of my mind and thought - next week !
    Oops, will try harder. Apologies to everyone especially Freeby

    Speedy day yesterday though not as much as first thought, hoping next 3 will be NSD.

    Have a good day, back in day shift mode again now.
    Debt -it's a fight that I'm winning, dealing with debt one day at a time.
    Estimated DFD August 2018 - 2031 - now 2027 :T

    Guide dog Tess, missing Scotland 2 years

    DMP support no438.
  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    Good Morning :)

    Thank you marmite for the brilliant update :A

    The front page is all up to date and some more prizes on the board. :j:j:j


    Have a great Tuesday :D
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    There are

    60

    of us taking part in the March NSD Challenge

    and so far we have collected

    434 NSDs

    :T:T:T:T:T
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    Sazzie23 wrote: »
    Hi all,

    Sorry, sorry, Sorry :A I got confused, when I checked on Sunday, - I logged in early (for me) I thought it was done already, someone thinking I was dopey and would forget:rotfl:, so I put it to the back of my mind and thought - next week !
    Oops, will try harder. Apologies to everyone especially Freeby

    Speedy day yesterday though not as much as first thought, hoping next 3 will be NSD.

    Have a good day, back in day shift mode again now.


    Please don't worry about it :A No apologies necessary.
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • Yesterday wasn't an NSD as i took my mum for fish and chips and to watch the new Oz film. Today will be an NSD so that's 15, 1st target hit so can i up it to 20 please?
  • beanielou
    beanielou Posts: 96,112 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Too much snow here for me to go out today.
    So today will be a NSD.
    Freeby~Can I please increase my target to 19?
    Today is no 17.
    Keep safe all.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    beanielou wrote: »
    kerri~ have a look on Amazon for cat food.
    Cheaper & delivered= result :)

    I will have a look for dog food too as it is very pricey locally.

    Hope the news from neurologist was what you wanted.Hugs
    business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
    'I had a black dog, his name was depression".
  • HeadAboveWater
    HeadAboveWater Posts: 3,941 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    edited 19 March 2013 at 3:06PM
    Crikey loads to get caught up yet again!!!! Those NSDs are flying in (on the most part :o:rotfl:)
    Headabove – Yay you did it and bagged another one. :T Well done on NSD #4:T
    HAW - happy to spoil you any time with a few :j :j.. but you have to earn them..... and you have... yay to no 4 :j:j

    Thanks guys :D:D And yes of course I'll do my best to earn them!! ;)

    Did lots of grocery shopping over the weekend which was long overdue, but hopefully only need the likes of bread and milk now for the next month!! (wishful thinking :o)

    OH treated me to lunch at our fav cafe on Saturday - Y.U.M.!! :D

    Booked my flights to Glasgow to visit my friend at the end of April :j Yay! Can't wait!! :D:D

    So out of the 3 days of my looooooooooong weekend I can claim 2 NSDs, bringing me to my halfway mark 6/12 :j:j

    EDIT:

    Another one today!! :j:j:j That's 7/12!
    Wealth is what you're left with when all your money runs out
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    2ym65q8.gif

    Hiya my No Spendy chums :hello:
    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 we ask you to highlight your number of NSDs in a colour and in bold so that Freeby, Spoon, Marmite, Cheryl and Sazzie can see them easily when they whizz through the posts - red would be best but they don't really mind as long as they 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 wink2.gif
    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 sport-smiley-003.gif & have been l-o-n-g time Nsders so don't panic :p
    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 :D
    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 action-smiley-076.gif
    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 :D

    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 :D The only thing to be aware of is Hubert the donkey who is partial to anything remotely edible but is not yet house-trained :o

    And Remember;
    there are no silly questions, so don't be afraid to ask us anything!
    "If wishes were horses, then beggars would ride"
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