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Midsummer NSDness - the June NSD Challenge
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Claiming a naught little NSD 2 today! Naughty because I asked my son to buy a bottle of wine for me to take to a family meal and he left without asking for the money
Will tag it on to when he comes home next time
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 -
Evening my fellow NSDer's :hello:
I love a Friday payday! Yesterday was NSD 1 and today is NSD 2 but I have d /ds going out the rest of the week (I think).
I am back to work on Thursday all being well
CW
PS, thanks for the support Spoon!
xxNSD Challenge 2015: Jan 20 / 20 (2 x 5 in-a-row) / Feb 5 / 12 (4 in-a-row)
Lesson learnt from 2012: I cannot be trusted to credit card stooze!
Barclaycard at 2 / 02 / 2015 [STRIKE]£4,600[/STRIKE] [STRIKE]£4540[/STRIKE] [STRIKE]£4250[/STRIKE] [STRIKE]£4000[/STRIKE] £3250 need to pay it off by 08 / 2015 before mortgage completion
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Well not planning on going out or spending so #2 in the Ennessdee Towers cauldron please!Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup
NSD 15/20, OS WL 21-6 (4)C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
Every Penny's a Prisoner
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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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:T that's impressive! Here's hoping I follow suit
thanks hanb - I'm yet to decide whether it's impressive or obsessive :rotfl:
NSD #2 snaffled todayMe and OH have been out painting the fence - a few slightly cross words exchanged as we have 'slightly' different painting techniques but we're still talking :rotfl: Wasn't 100% sure of the colour initially , looked a lot lighter than the blue already on there, but has dried darker (thank goodness) and when I went back to HB it was the darkest they had so it was that or nothing. Turns out we need another 2.5l to finish the job, which I've found cheaper at Screwf!x (would even have been cheaper to get 2 x 2.5l there to match the 5l we've used, but hey ho, can't put it back in the tin now).
oh, but the sprayer I bought did not do exactly what it said on the tin and was rubbish - just dribbled the paint at the fence totally unevenly despite following the instructions - so will be returned tomorrow.
Can't believe that's the weekend over already - has gone so quick :eek:Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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Had a lovely afternoon with the family in my mum & dad's garden. We made the most of the sunshine and BIL, nephew and I built mum & dad's new garden swing......and we're all still talking!
So managed to get #1 :jSPC Member #112 :A Save £2k in 2014 # 160 :money:0 -
If its not too late for me to join in please can I aim for 18LBM - 01/03/2010 - £21695.15 :eek:
Debt Free 01 March 2015 :T0 -
Well that's the first weekend out of the way, phew!
I managed to bag NSD #1 yesterday but not counting today as one because I went to greggs for lunch which wasn't a planned spend
Ah well, I'm taking a packed lunch tomorrow so onwards and upwards lets hope for number 2 tomorrow
PS posting on my phone so apologies for the lack of boldness or colour, I managed to change the size thoDon't turn a slip up into a give up
*NSD Challenge Nov 0/10* *£10 a day challenge Nov £0/£300*
No buying unnecessary toiletries challenge-in it for the long haul
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:hello:
Spoon- It is great to have no poison dwarf
I bet it is, Kathy, your life must be a whole lot less stressful nowAll I have to do is get home and package up all my eBay sales, made £109 (minus postage) today. So feeling pretty pleased with myself!
Woohoooo.. well done hanb :T:TCan someone make it not be Monday tomorrow please?
If only....... :rotfl::rotfl:Claiming a naught little NSD 2 today! Naughty because I asked my son to buy a bottle of wine for me to take to a family meal and he left without asking for the moneyWill tag it on to when he comes home next time
That's not naughty, zenshi, it's inventiveThe time you enjoy wasting is not wasted time
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If its not too late for me to join in please can I aim for 18
It's never too late to join in with the fun and frolics here, welcome to the gang.Candlewick wrote: »I am back to work on Thursday all being well
CW
Fingers crossed, CWCandlewick wrote: »PS, thanks for the support Spoon!
xx
It's a pleasure, hun, take care of yourself xxThe time you enjoy wasting is not wasted time
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