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The Awesome Amazing August NSD Challenge

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  • Scuff
    Scuff Posts: 522 Forumite
    Yummy,what's nicer than cheesecake?!

    Well done on resisting temptation at work.;):D:j

    It was worth the wait. Yum yum yum :p:D
    September 2016 GC £21.37/£120
  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    Hiya all and welcome to August'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 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 :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"
  • Jelly_Biactol
    Jelly_Biactol Posts: 3,636 Forumite
    Yummy,what's nicer than cheesecake?

    Errrrrm, two cheescakes?;)
    'It is better to remain silent and be thought a fool, than to open your mouth and remove all doubt.'
    Groucho Marx

  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Errrrrm, two cheescakes?;)
    You mean three cheesecakes :naughty:
    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.
  • Sazzie23
    Sazzie23 Posts: 2,634 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker Post of the Month
    Evening all

    Yum yum cheesecake, a friend did cheesecake with a dressing, clove seasoning and flapjack topping, it was lovely though I did find the clove seasoning a little odd. :rotfl:

    Well done ETO:j but sorry lunch wasn't up to scratch:(

    Thanks for the wiggles, IF that was a very weird fish:eek:

    Can't remember who started off today with a spin class...good job someone is working off all these calories.

    Anyone in need of an animal 'aah' moment - search for Lilybelle the goldendoodle .....very aaah :D

    Today was another NSD for me NSD 7 please with 4 in a row

    Have a great weekend
    Debt -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.
  • Scuff
    Scuff Posts: 522 Forumite
    It was millionaire's cheesecake, and there's more in the fridge for tomorrow :D lucky me! Clove seasoning does sound odd, what did it taste like? Cloves always remind me of my mum putting clove oil on her gums, did it not make your mouth numb?!
    September 2016 GC £21.37/£120
  • No NSD here as I bought some shoes for a wedding I'm going to but still in budget for the week and its only 9th I suppose!
    Tink
  • Sazzie23
    Sazzie23 Posts: 2,634 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker Post of the Month
    Hi Scuff
    Scuff wrote: »
    It was millionaire's cheesecake, and there's more in the fridge for tomorrow :D lucky me! Clove seasoning does sound odd, what did it taste like? Cloves always remind me of my mum putting clove oil on her gums, did it not make your mouth numb?!

    Absolutely, just like being at the dentist :rotfl:, but she's eaten some of my odder concoctions so I didn't mind:D
    Debt -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.
  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    There are

    48

    of us taking part in the NSD Challenge

    and so far we have collected

    158 NSDs

    :T:T:T:T:T
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    Good Morning :)

    I am a bit blah this morning :( I don't know why :( Going out for a long walk with my dogs soon so hopefully that will brighten me up a bit.

    No NSD for me yesterday, I was so tired after the day from hell at work that I ordered a takeaway :eek: bad, bad freeby :(

    Well done to everyone on their NSD captured and for all the cheesecake eaten - cheesecake cannot be allowed to keep muliplying the way it does - it is your duty to keep the numbers down :D
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
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