The "Just Keep Swimming" July NSD Thread

[Deleted User]

No more NSDs for me for July. I am heading off on hols on Friday and won't be back until Aug 2nd. I will defo join the challenge again for August.

Sazzie23

Evening all

Thanks Freeby for the updates, you enjoy your mornings in the garden while you can, winter will be here before we know it.

NSD 17 please.

Can still hit target if I try really, really hard. Only one day off before the end of the month so planning that to be my final spendy this month.

Not progressed to eating blue bread yet, :eek::eek:mainly cos we usually run out before it gets to that stage, stale bread toasted is fine on sarnies, toasties and dipped in soup if you feel inclined.
Fortunately non paying lodger generally provides bread and milk so don't have to hit the budget for that.

Chip buttie for supper, yum yum,

exharris

Struggling to get any NSDin the last few days. Have been going to supermarket at lunch time and getting bits for my home made lunches at work, and for my evening meals. Today am having a friend over for dinner, and so need to spend about £2 in supermarket.

Am suffering as a result of not planning properly and not doing a bigger shop at weekend! I'm sure I'll reach my (quite low) target for July and definitely plan for more NSD in August.

Am going away in early September to Marbella for a week which I am really looking forward to, so all this moneysaving will be worth it.

HeadAboveWater

kerri_gt wrote: »

I do that all the time with bread (well only when it's got little blue bits on) OH thinks it's gross

:rotfl:
Glad I'm not the only one!

kerri_gt wrote: »

Not only did I manage boot camp yesterday, but managed to get my little bum out of bed at 6am today for a follow up - thankfully not as hot and unexpectedly it was just me there so basically a PT session.

:eek: But good for you!!

freebyfifty wrote: »

One good thing - I made my last loan payment last week :j so that's another one gone :T

:T:T Very well done!
I remember when I made my last loan payment. I 'splashed out' £30 on a brand new gorgeous brown Nica handbag!!

EDIT:
There IS an advantage of being back at work (just the one mind you!!) - another NSD!!! :j:j That's 6/14 for today!! :D:D

fedupandskint

Early doors declaring today NSD 21

However, I'm off work doing some dissertation work and I'm not going out anywhere to spend and not spending online either

IF

Hiya all and welcome to July's NSD thread :hello:

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
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 & 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 club The 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

Morning all :hello:

cardi80

Afternooon everyone!

I am counting today as NSD # 9

I have another vet appointment tonight but am not counting it. It will mean it's now worth my while to put through an insurance claim for the last 4 visits and I should actually end up in credit!!!

IF

Just to remind everyone :beer:

Scheduled Forum Downtime Thu 25 (1-3am) Fri 26 (from 7pm) – Sun 28 July 2013

Read more --- > https://forums.moneysavingexpert.com/discussion/4712653

Tiggy10

including today im up to NSD number 9

I have zero pounds left in my bank so looking at the next 6 days of NSD's through bad budgeting! (at least i will make my target lol)