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Midsummer NSDness - the June NSD Challenge
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Spent as planned today...now to hope that I also manage to see my 3-in-a-row plan to fruitionSPC Member #112 :A Save £2k in 2014 # 160 :money:0
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NSD 11 today.0
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Evening everyone :wave:
Firstly, I’d like to say a big THANK YOU to everyone for their good wishes over the past couple of days, I really do appreciate you all thinking about me and sending me hugs:A:A I’ve got major work issues at the moment - as in, no job:( - and things are a bit complicated on the home front as well:(. I’m sure things will pick up eventually but it’s hard to keep my cheerful head on at the moment..
Anyway, enough of that, we’ve got some NSDs to count up...
Well done to:
azlan - you’ve recovered well after your spendy weekend and nabbed NSD no 7, woohoooo!:j:j I’m sure the next three will follow obediently behind now and you’ll hit your target:T
Thanks for the good wishes, much appreciated x:A
beanie - you’re doing great as always with NSD nos 9 and 10 to add to the pile.:j:j Keep it up now:T
Red - blimey, that’s an early start for the gym, get it over and done with, eh?;) A brilliant NSD no 8 to add to the total, :j:jyou’re doing great as always:T
Dragon - a brilliant NSD no 12a cauldroned:j:j. Keep going now!:T
FOS - you’re making great progress with NSD nos 9 and 10 nabbed,:j:j well over halfway to your target, that’s fab!:T
Well done on the sales over the weekend and all the budgetting and thanks for the hugs, much appreciated x:A
hanb - once again, you are not a useless NSD-er, you’ve nabbed 4 NSDs which is much better than none,:j:j so be proud of them, and you’re well on the way to hitting your target, chin up...:T
... and one step closer now with NSD no 5 as well, keep going now!:j:j
liltdiddylilt - you’re well back into your NSD groove with NSD no 11 nabbed,:j:j that’s brilliant! One more to get to hit your target, you can do it!:T
Good luck with your parents’ visit, sounds like it could definitely be a testing time, but hope it’s enjoyable as well
Thank you for the hugs, very much appreciated x :A
purple.sarah - a brilliant NSD no 11 nabbed and added to the pile.:j:j Keep up the great work!:T
sf - NSD no 10 nabbed and into double figures, yay!:j:j Keep going now :T
wildcherry - a brilliant NSD no 6 nabbed and you’re well on the way to hitting your target now.:j:j Fingers crossed for some more this week, you can do it! :T
And hello to:
HAW - I can definitely still manage the odd kick up the butt, don’t worry.
Glad you got your friend’s birthday pressie sorted, it sounds good and you definitely got a bargain :T
If - love today’s pic, two “butter wouldn’t melt in my mouth” puds if ever I saw them:rotfl:
ETO - thanks for the good wishes, much appreciated x :A
Hope hubby enjoyed his steak and baby ETO likes his new clothes
MB - Fingers crossed for your DD, I hope the treatment starts working well and she can go home on Friday. :A
Thanks for the hugs and good wishes, much appreciated x More hugs on their way back to you x:A
MisE001 - hope your plans work out OK, good luck :TThe time you enjoy wasting is not wasted time
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Sorry, me again
I couldn't remember how many NSDs I was on so had to check my signature, if I had a brain I'd be dangerous:o
NSD no 15 for me yesterday (well, Monday;)) and my target met :j:j and NSD no 16 for me today (Tuesday) :j:j
Could I increase my target to 20 NSDs please, Freeby, I'm going to need all the NSDs I can grab from now on :undecidedThe time you enjoy wasting is not wasted time
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There are
44
of us taking part in the June NSD Challenge
and so far we have collected
294 NSDs
:T:T:T:T:TFree by FiftyDebt of the Moment -August NSD Challenge 14/150 -
Spoony~So sorry to hear about no job at the mo.
For some reason I had it in my head that you were self employed.
Keep plodding,sending you lots of positive vibes xxxI 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 -
BIG *hugs* to you spoon
Fav saying of mine...
If you can't see the light at the end of the tunnel, get down there and light the bl00dy thing yourself!
I know there's only so much you can actually do yourself, but just take one day at a time. You will get theresolventsoon wrote: »HAW - I can definitely still manage the odd kick up the butt, don’t worry.
Glad you got your friend’s birthday pressie sorted, it sounds good and you definitely got a bargain :T
Really want a NSD today!! Slipping behind....!
Back later to update!
EDIT:
Guess that NSD will have to be tomorrow...
Met mum for lunch. She did offer to pay for lunch but she'd paid the last time too! In the end I accepted half back!!
Bagel with cream cheese and bacon, with a bit of side salad and coleslaw. Washed down by a cappuccino obviously! YUMMYWealth is what you're left with when all your money runs out0 -
Morning all :hello:
I now have my 11th NSD
Thank you freeby, spoon, Marmite, Cheryl and Sazzie
IF"If wishes were horses, then beggars would ride"
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Hugs to all that need them (())
I got NSD 7 on Monday, but forgot to update.... which means I also got my 3 in a row, wahoo :j1% challenge - /100%
NSD Jan 7/15
Weight to lose - 6lb/29lb
Learning from the past but focusing on the future :j0 -
July'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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