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Midsummer NSDness - the June NSD Challenge

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  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    No 7 here today.
    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.
  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    Number 10 for me today - on phone so no bold or colour today. Back to normal tomorrow!
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • liltdiddylilt
    liltdiddylilt Posts: 4,118 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Hi all

    Hope you've had a nice day. Work was pants :( started badly, continued in that vein. Also kept thinking it was Friday today. What a buzzkill everytime I realised!

    NSD #9 for me today. I did my tesco shop online but it won't be taken out of the bank or confirmed until tomorrow so I am claiming this :D 3 days to find with 17 remaining. I may just well smash this target in my first month trying!!!

    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    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"
  • kerri_gt
    kerri_gt Posts: 11,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    beanielou wrote: »
    Hate hate hate well fired rolls :eek: :rotfl:

    OMG, you're the first person I've come across who doesn't like them - please feel free to send down a steady supply my way :D
    Glad you had a good time in Scotland Kerri :beer: Don't ya just love a weel fired roll :rotfl:

    Yes I do freeby - thought the world was going mad when I saw beanie's post :rotfl:

    liltdiddylilt -sorry to hear you had a carp day, hope tomorrow is better xx

    Still not a NSD in sight, lunch out at work today, had a meal deal code but not as cheap as it would have been as one person dropped out, however was very lovely anyway :D Also picked up a few bits in L!dl tonight, including 16 tins of beans as they were on offer and i haven't seen them for £1 for ages anywhere :eek::eek::eek: pfffft :rotfl::rotfl:

    Will try and clock at least one tomorrow, this month is getting away from me and need to pull my finger out.
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16


  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    Good Evening :)

    I have updated the front page :j

    Now I am off to the land of nod. It is way past my bed time smiley-signs062.gif


    Night Night :)
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    There are

    44

    of us taking part in the June NSD Challenge

    and so far we have collected

    205 NSDs

    :T:T:T:T:T
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • purple.sarah
    purple.sarah Posts: 2,517 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Sunday, Monday, Tuesday, Wednesday and Thursday were NSDs for me so I'm on 8 NSDs, 5 in a row. I'm going for 7 in a row this week.
  • Motoko_2
    Motoko_2 Posts: 241 Forumite
    Debt-free and Proud!
    Morning everyone,

    Yesterday was NSD number 4 :)

    Happy Friday:j
    DEBT FREE on the 23rd December 2013 :beer:
    :j :T
    Sealed pot 7 no 1894
  • ModestyB
    ModestyB Posts: 1,574 Forumite
    Part of the Furniture Combo Breaker
    Got NSD 10 yesterday. Fingers crossed for today.
    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 :staradmin
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