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Midsummer NSDness - the June NSD Challenge
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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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Evening all.
Quick one to try and describe well fired rolls. Firstly, its important to know I don't like the taste of burnt food (unlike OH) but I do love these
They are similar to a crusty type roll, but they don't have the crusty top (which actually scratches my mouth)
I'm doing a bad job at explaining, but they are like a soft morning roll, generally a bit bigger than the morning rolls we get in the UK, and a little more of a chewy texture. The crust is then cooked a little longer past the normal golden brown, but I like them as they aren't crumbly and are still soft. Closest i've found is Scotch morning rolls in Tacto but even they aren't quite the same.
Right....enough waffling - TFI Friday! and NSD #7 in the bag too :j
What's everyone got planned for the weekend?Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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Oh, meant to say, on the subject of Scottish delicacies, I'm thinking of having a bash at making tablet at the weekend - anyone got any tips? (apart from booking the appt with dentist lol!)Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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Keep stirring kerriI 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 -
Evening everbobby
I am really angry. Today was a spend day for Mr T's delivery... which did not turn up! Then money still left my account, to be refunded within 3-5 days & then it will be taken again tomorrow & the delivery made tomorrow morning instead. Bearing in mind the location of the door to DH's usual spot at his computer, plus the timing of the delivery right in the middle of mini-lilt's nap when all is silent; I do NOT believe the drivers notes on the account, that he 'knocked, with no response'
So not an NSD by default & also by the fact that we had zero food for dinner thanks to the lack of a delivery 2 weeks after the last one. So fish & chips was had.£12.40 to be made somehow to cover that. And tomorrow is Fathermageddon - where I buy all the fathers day gifts required in our household & cards. I don't resent that though; love my daddy & baby-daddy
Hope you all had a better day than me!
A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie0 -
NSD 9 for me todayBe who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
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Oh deep joy
Can't sleep :mad: just wrote a cathartic post about this week's troubles then managed to delete it by accident. Sort of sums up my incapabableness really.
Lost track a bit on the NSD but hasn't been too bad spendy wise, will have a count up and declare tomorrow or Sunday. Today was a spendy but worth it for the yummy British strawberries.
Have a good weekend
Lilt, naughty Mr T - what a blethering nuisance - hope the takeaway was good thoughDebt -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
The weekend again :j and time for an update from me
Hotspur – Well done on claiming NSD #2 :T and even weller done on resisting that pizza.:T That takes some great determination.
Kathy – You are doing really well and have bagged NSD #6. :T Really well done. :T I am pleased the kitten and your cat are getting along.
Kerri – I like that you like well fired rolls, they are lovely and best eaten with a Scotch pie in it. :j NSD#7 is brilliant. :T Well done you.:T
Marmite – Yay, half way there with NSD #9. :T You’ll get the other half in no time at all.Well done.:T
ModestyB – Fingers and toes crossed for youbut you are already doing fantastically well with NSD #10. :T Well done.:T
Motoko – NSD #4 safely tucked away and you are doing great. :T Keep up the good work.:T
Nargle – NSD #6 tossed into the bubbling froth of doom. :T It’s starting to fill up now, well done. :T I’m not sure Igor taking off the kilt is a good idea – he’s not trying to the copy the Scots completely is he?????:eek:
Purplesarah – What a brilliant week you have had. NSD #8 and 5-in-a-row is excellent stuff. :T Good luck for reaching that 7-in-a-row.:T
Slowlyfading – You are on a roll with another one in the bag taking you up to NSD #9.:T That’s brilliant.:T
Suzitiger – Well done on capturing NSD #5 :T and I hope the next one didn’t elude you for too long. Great going. :T
Zenshi – A very well deserved NSD #8 captured. :T Good for you. :T Those fish and chips will taste all the better this weekend.:)Free by FiftyDebt of the Moment -August NSD Challenge 14/150 -
Good Morning (again)
The front page is all done and updatedNSD #12 in the cauldron for me yesterday :j I did buy fuel but (for me) that is a essential expense as I wouldn't be able to get to work without it and I wouldn't be able to earn money
Have a fantastic Saturday :T:TFree by FiftyDebt of the Moment -August NSD Challenge 14/150
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