May the NSD Force Be With You - May NSD Challenge

OutofDebt-NOT-OutofDanger

Hi All,

NSD #2 & 3 for Thursday and Friday :j

House hunting today so likely to be spendy, but will hopefully make it up tomorrow!

freebyfifty

Good Morning

My turn for the update.

Beanielou – We like long stories Beanie, especially when they lead to NSD #3 :T and a spend free month so far.:T

Delilahh – Of course you can join us again.:) You are on the front page with a target of 10 NSDs. :T I will overlook the fact that you used the ‘f’ word :eek: because you also said you got debt free. :j Well done. :j Massive congratulations. :j It must feel fantastic.:j

Fedup – You are doing brilliantly so far with a full house and NSD #3. :T Great going. :T

Headabove – Yay. A lovely NSD #2 all safely captured.:T Really well done.:T

If – Thank you for wiggling. :T I forgot again. Well done on that NSD #2.:T

Madscientist – You did get off to a great start with NSD #3. :T Really well done.:T

Oodnood – House hunting? Exciting. :j Hope you find the place of your dreams.:T A brilliant start to the month too with NSD #3. :T Well bloomin’ done.:T

Purplesarah – Woo Hoo off the mark with NSD #1.:T Well done and I am quite sure it will be the first of many.:T

Roguey – And you are off with NSD #1 safely tucked away.:T Good luck with your etsy store.:T Remember Alan Sugar started off small.:rotfl:

Spoony – Woo Hoo NSD# 2 (that rhymes :rotfl:) I am sure if the taxman comes a-calling Igor could take you to hide in the “special” place where he hides on a full moon.:eek::rotfl:

Zenshi – You are doing well with NSD #2.:T And it sounds to me like you have some good plans in place for capturing more.:T

freebyfifty

NSD #2 for me yesterday :T:T

I have nothing special planned for this long weekend Hope everyone who does had a brilliant time

freebyfifty

There are

47

of us taking part in the May NSD Challenge

and so far we have collected

35 NSDs

:T:T:T:T:T

freebyfifty

Delilahh wrote: »

Hello again,

Can I re-join? I failed by a few days in March, and in April I failed very miserably.

SpyderBryte wrote: »

Urgh - I failed yesterday.

Oh dear :eek:

Jaws is hungry :eek: It has been a while since anyone used the 'f' word :eek: and delilahh - twice in the same sentence :eek:

You can't hide - he'll sniff you out





We never ever fail on this thread. Life gets in the way and our plans may have to be altered a bit, that's all.
Every NSD is a good NSD and every time we don't quite manage another one we learn where and how we spend and can work out if it is possible to avoid it the next time. Life has to be lived after all and unfortunately that usually means spendng money.
Don't be so hard on yourselves. You are here and you are doing something about it. That's a lot more than other people

freebyfifty

me again


*pops out of April thread and back into May thread*


Kerri - where are yooooooooooooooo?????? :rotfl:

flowerofscotland

NSD #1 and 2 achieved on Wed and Thurs so 12/2 so far

Well done everyone on the great start to the month

charleybear

NSD 2 for yesterday

I'm not going to count being given money or money for busfare as it isn't coming out of my own money ... is that okay?

I'm going to try really hard to get another NSD today

IF

Morning all :hello:

IF

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
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!