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May the NSD Force Be With You - May NSD Challenge
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Target reached today - yipee with NSD 17/17
Can I increase my target to 20 please freeby?final unsecured debt to repay currently £8333Proud to be Dealing With my DebtDFW Nerd 1154 Long Haul 1550 -
Evening everyone
Well I managed a NSD yesterday as we didn't go anywhere.
Spend day today, we wandered to the local garden centre and i treated us to cake and a drink.
So I believe I have reached my target of 10/10 :j
I will extend to 14 please.
I'm only keeping track as I have had a few days when we haven't been anywhere so I know I have nabbed them.SPC 18 Target £200 /0 -
:beer::beer::beer:A big welcome to Master ETO from his Aunty Nargle! (And congratulations, Mum, on your sudden weight loss!)
Sazzie ( and any newbies out there) - this thread is home to all those who want to control their spending, whether it is to save up for something nice or pay off debts. Ennessdee Towers is our headquarters, and it is a bit like the Tardis - always room for one more chair by the fire, and one more coffee mug in the cupboard, and one more slice of cake in the cake tin. Which reminds me....it's your turn to put the kettle on.
Now where did I put those newly-snaffled NSDs? Here they are, skiving out back behind the dustbins....right, you 'orrible lot, quick march into the hall left right left right halt! Turn! Step to it...hup two hup two... and into the Cauldron of Doom with you!
Freeby - another 3 for the collection, which makes my total in double figures - a glorious 10 NSDs!!
(Igor, I know you mean well, but Master ETO is not old enough for pork pie.....especially your pork pie.....)One life - your life - live it!0 -
#6/15 finally nabbed and the 1st of my 3-in-a-row.....off to watch Eurovision now :rotfl:SPC Member #112 :A Save £2k in 2014 # 160 :money:0
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It's so inspiring to see so many people hitting their targets today, well done! :T
NSD 10, 6 in a row.0 -
Delete pleaseSave £12K in 2013 £4000/90000
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Good Morning
Hope everyone is having a fantastic weekend.Another titchy update from me. C'mon you 'orrible lot we have a target to beat :rotfl:
Beanielou – Woop Woop Beanie, :j Well done on hitting you target with NSD #14.That is brilliant. :T I have increased it to 18. You’ll smash that one away too. :T
Charleybear - NSD #7 is fantastic.Really well done.:T I hope that being at work managed to nab you another one.:)
Evertheoptimist – I am impressed to your dedication to the NSD cause. :j:j I am also very impressed with you smashing your target with NSD #10.I have increased it to 14. I hope everyone is okay and you are enjoying you new mumminess.:)
Fedup – Woo Hoo. You did it.:j:j Your target blasted awaywith NSD #17.Briliiant Job. :j:j I have increased it up to 20 NSDs. Good Luck.:T
If – You are a star,:staradmin I love your cartoons and pictures.:) Well done on bagging NSD #9 too.
Lottie3000 – Slow and steady always wins the race and you have another one in the bag.:T NSD #4 is great going.
MissE - Very well done. :T NSD #6 and 3-in-a-rowall done and dusted. Hope you enjoyed the t.v.:)
Nargle – Ohhhhh a lovely fantastic three into the pot :T and that’s NSD #10 that is refusing to give up the fight and is trying to climb back out. :eek: Igor quick.......whatever your were planning to do with that pepperami then don’t... mush that NSD down a bit.
(Think I might have saved master ETO from a pepperami nightmare) :eek:
Purplesarah – A fantastic NSD #10 and 6-in-a-row.Well done.:T I think the NSD bug may have claimed another victim. :T
Free by FiftyDebt of the Moment -August NSD Challenge 14/150 -
Well, that's the front page up to date again and it is filling up with pretty flowers. Well done to everyone who is fighting the goo NSD fight :j:j
You are all brilliant
No NSD for me yesterday as I did my weekly stuff. But I am all ready to claim another week full of them (fingers crossed)
Have a great Sunday everyoneFree by FiftyDebt of the Moment -August NSD Challenge 14/150 -
There are
52
of us taking part in the May NSD Challenge
and together we have collected
296 NSDs
:T:T:T:T:TFree by FiftyDebt of the Moment -August NSD Challenge 14/150 -
Hiya all :hello:
Could we please 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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