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The Lets Make It Awesome April NSD Thread
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I'm pleased to report my first 2 NSD of April
Happy Monday everyoneDEBT FREE on the 23rd December 2013 :beer:
:j :T
Sealed pot 7 no 18940 -
Good thing I'm not attempting the "in a row" challenges as my NSDs for next week are all over the place: Wednesday, Friday and Sunday.
So I am now on 12/4
Friday was achieved by taking some rather dubious bread rolls for my lunch but I'm still here to tell the tale.
I placed an online grocery order as I find this helps to curb impulse spending. I did it yesterday but won't count the spend until delivery day which is when my card will be charged.
Well done to all - some great tales to read here0 -
solventsoon wrote: »You're on HAW..... and please call me spoon
SorrySpoon it is
:D
I'm planning on tomorrow being an NSD...but my plans aren't working out that well so far this month:o and my NSDs are dragging their feet as well :rotfl::rotfl:
:rotfl:solventsoon wrote: »Too embarrassed to post, Freeby:o:o:o....
.....well I was.... but I've now managed to nab NSD nos 2 and 3... finally :j:j:j:j Thank goodness for that, I thought I was going to finish April with a record of 1 NSD:eek::eek:
Had to read through 3 pages before I found your update. Very well done on 2 and 3 :T
I'm still stuck on 1!!!! :mad: What am I not like?!
Sat was bro's birthday so had a last minute emergency card and jaffa cakes (!!) purchase coz I'm super disorganised!
Sun was grocery shopping which IS fine for a NSD, but the coffees and hot chocolates I got for me, OH and DD2 is NOT fine:(
Have to get makeup today for DD2, but she is paying me back.
But if I spend another £6 I'll get an extra 200 Boots pointsNeed to get a couple things anyway so may as well get them today and get the points...
*sigh*
Tomorrow??!
EDIT:
Got DD2 her makeup (3 for 2) and my shampoo, conditioner and dry shampoo (also 3 for 2) so happy with that.
And just bought myself a perfume and lotion gift set online!! :eek: Ran out of my fav perfume months ago and kept putting off replacing it. Today I just figured: stuff it!!Should be here in a couple of days :j
So yeah: fingers crossed for NSD tomorrow!!Wealth is what you're left with when all your money runs out0 -
Morning all :hello:
I have my 5th NSD
Thank you Freeby, Spoon, Marmite, Cheryl and Sazzie
IF…x"If wishes were horses, then beggars would ride"
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Hello! Is it too late to join April? If not then I pledge 10 NSDs!
Thanks!:):)
MBNA - 5004.05/[STRIKE]8854.99 [/STRIKE]Barclaycard - 9464.18/[STRIKE]8241.65[/STRIKE]Tesco - 3910.20Loans: Santander - 3395/[STRIKE]3984[/STRIKE] Toyato - 2192/[STRIKE]2329[/STRIKE]Student loan - 2410/[STRIKE]2550[/STRIKE] Overdraft - 2000/[STRIKE]1500[/STRIKE]Grand total 28759.54/[STRIKE]27459.54 [/STRIKE]@ 13.12.12[/CENTER0 -
Going nowhere today, so not spending,giving me 2/9 NSDs for April.LBM Jan 2012 £32355 now £23984.01
GC Feb£289.64/300 Mar £284.92/300Apr £215.53/300
£2 Savers £124/100
NSDs Jan 9/8 Feb 6/9mar 8/9 Apr 5/90 -
#4 today :j:j:j:***Dont save what is left after spending, spend what is left after saving***0
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A good day budget wise for me here! Should make NSD#5On target for mortgage freedom September 20230
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Hi there! I haven't been around much as we have been away with family staying in the middle of nowhere with no Internet signal so I couldn't report that I had 1 NSD on 1st April and 1 NSD today!
6 to go :-)Proud to be dealing with my debts
Apr 2013 - £500 Natwest Credit Card - £2000 Natwest Overdraft0 -
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.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 fineEveryone 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 clubThe 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!"If wishes were horses, then beggars would ride"
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