The Naughty but Nice November NSD Challenge

lovefullshelves

NSD #5 today been nowhere again!

EverTheOptimist

Nov 8th

Evening everyone,

Kerri - thought we'd lost you!! Well done on your 2 NSD. :j:j Hope you are well. Ooo and now NSD # 3. Well done. :j:j
Anniebox - congratulations on NSD # 4. :j:j
beanie - hope you are well. Up to NSD # 5. Doing a great job. :j:j
Slowlyfading - congratulations on declaring NSD # 6. :j:j Fab start to the month.
Traveller - well done on achieving NSD # 5. :j:j
Fedup - NSD # 6. :j:j Well done. You're doing so well. Keep it up.
Strandedinaber - well done on your NSD # 3 and 3-in-a-row. :j:j. You've done really well. I don't think I've ever achieved more than 2-in-a-row. I agree re your rules. Anything you spend that can't be helped or isn't wasteful is good to include as a NSD, otherwise you end up spending more cos you tell yourself you've already spent.
Bex296 - congratulations on NSD # 3. :j:j Whoops re OH but at least he helped you grab that NSD.
Lovefullshelves - well done on your NSD # 4. :j:j You're doing a really well regardless of your DD's. oooo and number 5 for you today. Well done :j:j
Knit Witch - awww I'm sure MissE001 will update with your targets and achievements soon. But well done on NSD # 6 and achieving 6 in-a-row. :j:j That's fantastic, you're doing really well, keep going. Are you going out and staying away from the shops or are you just staying in all the time.
Positivelypurple - well done on NSD # 2. :j:j Hope you enjoyed the craft market. And kept your spends low.
joedenise - NSD # 6 for you. Well done.:j:j Looking good for big numbers this month.
ETO - NSD # 3 for me. :j:j We went to a baby group, but it's paid for in advance and was free parking. Have been out for tea tonight but hubby paid.

Kate_fixing_it - how did your day go?
Cardi80 - good luck with grabbing more NSD's at the weekend. That's always my worst time.
Beth2242 - hope your OH is ok. If what you're buying is necessary for OH then don't be tough on yourself for spending.
Hey Sazzie - hope you are well.
Kayester - sorry I missed that you'd reached your in-a-row target. Well done. Good luck with the next target.

Right at some point over the weekend I will put together some kind of spreadsheet so that I can tally everyone's totals more easily. As I think I'm getting myself more confused than I need to.

EverTheOptimist

Hi lovely NSD gang:A
As you can see there is lots of activity on this challenge at the moment and it can be difficult sometimes to see how many NSDs you're all declaring on posts.
Could we ask you to highlight your number of NSDs in a colour and in bold so that we can see them easily when we whizz through the posts - red would be best but we don't really mind as long as we can see the numbers easily. Please also add the number of NSD's achieved


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!

MissE001

kerri_gt wrote: »

*scuttles in a little late*....

I could kind of count the spends as non-spends since it was a sort of holiday, but I won't as they weren't really saved pennies however I think I am up to 2 NSD this month

I am not actually going to set a target this month, I will continue with the MSE, and pop on here but I have a lot of things going on atm outside the virtual world and i can't really focus on NSD targets as well this month. However I'll still pop on to waffle and keep tabs on folks - just perhaps not always as often as usual.

kerri - no target? Great idea - I bet you do brilliantly because you're not counting them :rotfl:

Knit_Witch wrote: »

*sniff* my in a row challenge has not been listed, and, and .... I made it!

More to the point I am currently on NSD6 and SIX in a row :j

Aw, sorry Knit Witch - your target's definitely on the first page. In a Row has gone a little awry this month. Think sazzie may be tallying those up so watch this space

Well fellow NSDers, my admiration for oor freeby knows no bounds. It's a challenge keeping on top of this :eek:. I've updated the first page with all of the fabulous targets achieved so far.

ETO, your updates are brilliant - thanks for keeping us up-to-date

And I managed to get # 2 / 20 today. I really need to sort myself out this month

suzitiger

Hello, gosh how did we get to the 8th already??!
Anyway, im off the mark with 2 NSDs to report, thanks everyone. Keep those purse strings tightened :-D

AlexLK

I'm still not doing very well at this challenge and no more NSDs to report. Hoping to perhaps have one or maybe two next week though.

frugaldances

Please could I be put down for 10 NSD? This is my first time at doing it. I'm usually a lurker but am now going to really try and be better with money

pinknfluffy28

Just checking in, yesterday was NSD#5 and thats also 3 in a row!
Very pleased with my little self so far :beer:

Sazzie23

AlexLK wrote: »

I'm still not doing very well at this challenge and no more NSDs to report. Hoping to perhaps have one or maybe two next week though.

Hey Alex don't give up yet, you made a good start already.
Anything we could help with if you are getting stuck? Usually lots of folk with ideas on here

Sazzie23

frugaldances wrote: »

Please could I be put down for 10 NSD? This is my first time at doing it. I'm usually a lurker but am now going to really try and be better with money

Welcome Frugal, excellent place to start and find out where your money goes and how to stop it :rotfl:

Knit_Witch wrote: »

*sniff* my in a row challenge has not been listed, and, and .... I made it!

More to the point I am currently on NSD6 and SIX in a row :j

Woohoo Knitwitch :j:j. How brilliant already.
Sorry about the updates, blame me for the in a rows, I'm not keeping on top of them, hoping to catch up tomorrow.

pinknfluffy28 wrote: »

Just checking in, yesterday was NSD#5 and thats also 3 in a row!
Very pleased with my little self so far :beer:

Yeah pinkn fluffy - happy days :beer: