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May the NSD Force Be With You - May NSD Challenge
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Did get NSD 17 yesterday. May be one today if I don't bother going to the opening day of the new P0undstr£tcher down the road.
Btw, I'm so happy with the Nook I had for my birthday, I've only put it down to come on here.
Hope you're both feeling better Freeby & Spoony. (((Hugs))) to you both.
S.P.C. 9 2016 No. 062 Banked £337.50
My Gold Stars off Sue. :staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin :staradmin:staradmin:staradmin:staradmin:staradmin :staradmin:staradmin:staradmin:staradmin:staradmin :staradmin0 -
NSD 11 For wednesdaySavingsRepayment: £0/£359.00
GeneralSavings: £244.01/£1000+ Dec 15
SPC#1435 £10.29
(£0 banked - waiting for nov 29th to start again hehe)
NOV NSD 9/10
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solventsoon wrote: »
zenshi - NSD no 12a tumbles into the cauldron,:j:j that’s brilliant, let’s hope no 14 follows obediently behind tomorrow, good luck. :T:T
Hmm, is 12a, my penance for using the f wordor is your 3 key broken
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) £37,7640 -
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It's wiggle time
The time you enjoy wasting is not wasted time
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Ok, I'm committing to NSD No 8 today... I so nearly made my first target and I haven't got half as many excuses next month, so hoping to smash it in June it! Have a good weekend all and thank you for making me feel so welcome in my first month of challenge :beer:1% challenge - /100%
NSD Jan 7/15
Weight to lose - 6lb/29lb
Learning from the past but focusing on the future :j0 -
June's NSD thread - Click here
Some helpful suggestions and ideas to follow below from our sponsor and godmother, BigMummaF :ANO 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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Afternoony all :hello:"If wishes were horses, then beggars would ride"
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Ive been on holiday but as I paid for the actual trip, I have put my hand in my pocket (or in my purse) for four days so I hope that has taken me to my target?!!
NSD#4 So I got my target!! Yippee!!On target for mortgage freedom September 20230 -
NSD 14 for me today! I really wanted chocolate when I was out but only hd 47p in my purse and you can't get choccy for that :mad: so I resisted the urged to put 60p on my card :rotfl: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) £37,7640
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