The Awesome Amazing August NSD Challenge

Candlewick

Evening fellow NSDers

Target not met ......... :mad: and I was hoping to get 5 in-a-row as well :mad: At least I didn't spend money personally (yes, work again) and I am always reliably paid back.

I will reach it tomorrow, subject to work. I may have to rethink this rule as whatever I pay out I always get reimbursed so effectively cancelling each other out. I will think about that one.

rising_from_the_ashes

Hello everyone!

Pleased to report NO 5 & TARGET for yesterday and NO 6 for today :j

Just realised I have no rolls left for lunch tomorrow tho:(

Might manage with crackers but will struggle by Friday!!

rising_from_the_ashes

beanielou wrote: »

Been out for lunch & my lovely friends paid

I should think so too!



Didn't manage to get online yesterday - hope you had a lovely day xx

fedupandskint

Payday
Budget day
Bill day
Banking done
No extras spent
Budgets stuck to
NSD 28

beanielou

Thank you Rising & thank you for the lovely & very apt card

no 23 today.

lovefullshelves

Yesterday was spendy thanks to my DD! I don't see her often so I don't mind:D But today was NSD #19 as Ive been working and canning:D joy!

bottleofred

Good Evening Folks:),

A funny day in NI weatherwise today, as it was mainly overcast, but very warm! I had a spend day, as we all went out for lunch today, although it was nice, so am not complaining!
I note from some of the posts that there are some interesting abbreviations being explained that made Red blush a little bit:o. I hope everyone has had a good day and gathered many NSDs:). I am off to bed soon, as I am going to the gym for 6.30am in the morning:eek:

MissE001

Tiny spend today (60p) so missed out on last NSD to meet target....must try harder tomorrow :A

kerri_gt

bottleofred wrote: »

I note from some of the posts that there are some interesting abbreviations being explained that made Red blush a little bit:o. I hope everyone has had a good day and gathered many NSDs:). I am off to bed soon, as I am going to the gym for 6.30am in the morning:eek:

Oh heck, and there was me trying to put it politely :eek::rotfl:

IF

For September's NSD thread - Click here



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!