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The Lets Make It Awesome April NSD Thread

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  • beanielou
    beanielou Posts: 95,555 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    MissE001 wrote: »
    No NSD for me yesterday as I finally succumbed to buying groceries and petrol....I'm mad at myself though because I meant to pick up hair-dye (I've been doing it myself for the last few weeks and saving £40 a month :eek: )

    I forgot to get it though so need another spend day either today or tomorrow before the weekend. Grrr, so annoyed as I could've added it to the spends I already had yesterday.

    Hmmm, just re-read that....am I taking this too seriously?? :rotfl: :rotfl:

    Maybe just a wee tad:rotfl:
    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.
  • MissE001 wrote: »
    Hmmm, just re-read that....am I taking this too seriously?? :rotfl: :rotfl:

    :rotfl:

    Definitely! But I totally hear you too!! ;)
    NSD #7 yesterday :j:j:j

    Not today though! :(
    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:
    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"
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    Afternoon all :hello:

    I have my 14th NSD

    Thank you Freeby, Spoon, Marmite, Cheryl and Sazzie
    IF…x

    Now this is my kinda keyboard!! :D:D:p:p
    isp_FunnyKeyboard_Custom_Keyboards-s500x341-37402-580_zps16a2b50c.jpg
    "If wishes were horses, then beggars would ride"
  • heyjude2013
    heyjude2013 Posts: 153 Forumite
    Hello all,

    I'm declaring NSD#8 today.

    Have had a very spendy week - need to rein it back in now and get back on track.

    Happy Thursday all x
    Getting myself back on track! Pay off debt and save deposit time!
  • An expensive month so far but got NSD 7 yesterday but had no broad band to declare it with:j
    No Buying Unnecessary Toiletries: July stash 72/0 INS/2 UU/0 TA
  • zenshi
    zenshi Posts: 1,133 Forumite
    Part of the Furniture 500 Posts
    I didn't officially join but have a marker for next month. So far, I have had 14 NSD! Would have had one today but apparently there's a £5 coupon in the Mirror today when you spend £40. So off to get paper and hopefully so a big shop of £40 LOL. I may nearly last me the month
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • wildcherry
    wildcherry Posts: 151 Forumite
    Part of the Furniture Photogenic Combo Breaker
    Hi,
    Haven't posted for what seems like forever BUT I've had two nsd's so that takes me to NSD#12 which I'm very pleased about.
    On target for mortgage freedom September 2023
  • cw18
    cw18 Posts: 8,630 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Nipped into Mr T today to spend £20-£22 of the £22 I'd put aside yesterday, and came out having spent nothing! They didn't have one of the items I'd specifically gone in for (wanted 2, so that was £4 of my spend and I'm trying to reach £20 for the stickers they're giving out at the tills), so I decided not to bother with the other main items (£14 of the spend) as they can wait until next week - and then I didn't see the point in picking up just a few ££s worth of fresh veg.

    So even if I hadn't put the money aside I could still have classed today as NSD 15, which means target 2 reached :T

    5 days left in the month, but I need to get veg either tomorrow or Saturday (for tea on Saturday) and need to check fuel tank as we're using my car on Sunday (may have enough, but if it's a close thing that'll need topping up on the way out on Sunday - I'm not taking the car out just to put petrol into it!). Then Monday should be my final D/Debit day. So that means at least 3 days will be spend days, but I have a chance to try and nab another 2. I'm not setting myself a 3rd target though, as I'm quite happy to just see what happens given I thought 12 was going to be a struggle this month :)



    ** wanders off to try and find something highly calorific for tea, as todays 40 lengths of the pool and 10.55 mile walk have earned me 1137 calories that need consuming - and that's on top of at least 394 of the 894 I still have left of todays normal allowance :eek: **
    Cheryl
  • Jelly_Biactol
    Jelly_Biactol Posts: 3,636 Forumite
    NSD 12 today :j

    and my second NCOMAAD (No Cash On Me At All Day):)
    'It is better to remain silent and be thought a fool, than to open your mouth and remove all doubt.'
    Groucho Marx

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