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Midsummer NSDness - the June NSD Challenge
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And.. we made the weekly email again, woooohoooooooo!! Thanks to If for letting us all know - (sorry Spoon couldn't get the quote thingy to work here.)
I was trying to work out what this meant....now woohoo:beer: I worked it out. Thanks If & Spoony for sharing
Have a good day folksDebt -it's a fight that I'm winning, dealing with debt one day at a time.
Estimated DFD August 2018 - 2031 - now 2027 :T
Guide dog Tess, missing Scotland 2 years
DMP support no438.0 -
Good Morning
Thank you for the update spoony :A
Sazzie - Bloomin' heck :eek: Do you EVER sleep????
And Yay :j to making the e-mail again this month :j Thanks If. I bet Martin :money: secretly joins in on this challenge :rotfl:
Welcome to Tinycrush and FlowerofScotland and good luck hitting those targets
Happy sunny hump day everyone.
I am too frightened to mention the glorious weather in case I jinx it but I hope everyone is enjoying the sunshine :rotfl:Free by FiftyDebt of the Moment -August NSD Challenge 14/150 -
There are
39
of us taking part in the June NSD Challenge
and so far we have collected
63 NSDs
:T:T:T:T:TFree by FiftyDebt of the Moment -August NSD Challenge 14/150 -
I forgot to tell you .....
Yesterday someone invited me to their Chateau :eek::eek: Is Igor working under cover at the moment???? or does he have some scouts out trying to drag unsuspecting folks into NSDeeeeeeee Towers????? I know we are a bit light on numbers this month but he doesn't have to lure them unsuspectingly to their pickled anchovy doom :eek:
Seriously though - someone invited me to their chateau :rotfl:Free by FiftyDebt of the Moment -August NSD Challenge 14/150 -
Good morning all :wave:
Came on to make sure you knew we made the weekly email (first time I've noticed since I joined the challenge!). Too late for that to be news - I think it's fab that we all read it too.
Oh, and grabbed #2SPC Member #112 :A Save £2k in 2014 # 160 :money:0 -
Signing up late this month.
Can you please sign me up for 11 for this month.
Thanks for running the challange all.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.0 -
bottleofred wrote: »Good afternoon folks from a warm and sunny NI:eek:
:hello: and another be-a-oooo-tiful one in NI today again!!:cool:
Hope you've all had a good Tue - Hump day tomorrow, and technically Friday for me as i'm off the rest of the week :j
Jammy sod!Although I'm off Friday so I guess I can't say too much!!
solventsoon wrote: »HAW - a kick up the bum held in reserve is always a good policy, I reckon, hope it helps:rotfl:
And it did..... you are now the proud owner of NSD no 2, :j:jwoohooo, even though this was nabbed because OH annoyed you.. they have some uses!;)
:rotfl:
He's back in the good books again, but yeah, thanks to him for a NSD! I should maybe fall out with him more often... :think::whistle::D
EDIT:
* THIS IS NOT A SPAM POST *
EDIT 2:
NSD #3 for me! Oh! Just noticed that's 3 in a row! That's a first!! :eek:
Resisted temptation in Holland & Barrett and Boots. And also managed to avoid the icecreams in the local newsagents.....!!!Wealth is what you're left with when all your money runs out0 -
Tuesday was NSD 2.0
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Afternoon all :hello:
I now have my 3rd NSD
Thank you Freeby, Spoon, Marmite, Cheryl and Sazzie
IF…x:rotfl::rotfl::rotfl:
"If wishes were horses, then beggars would ride"
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Hiya all and welcome to June's NSD thread :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.
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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