The Naughty but Nice November NSD Challenge

Kate_fixing_it

fedupandskint wrote: »

NSD 17 today!

Amazing! :beer:

cardi80

I've not had any more NSD's this week so far and cannot foresee any either. I won't be able to hit my target this month!

strandedinaber

Managed to grab my 7th NSD today! Determined to make it to 10 at least by the end of the month, although would like to grab 15.

ETA: Cardi80, I feel your pain! I'm not going to make mine either. Sometimes it just works out that way, but you're doing pretty well on 8 by my reckoning!

kerri_gt

flubberyzing wrote: »

Well, today has been an expensive day, paying the balance on my new car! And the car salesman still tried to get me to pay for two extra things, to which I politely declined.


New car is now sitting happily in her space outside my flat. A few little local journeys planned for the next few days, while I rebuild my confidence. Thanks for all the support guys. I appreciate it.

Yeah to the new car. Best advise I have is always make sure you have a destination when driving. It sounds silly but my driving instructor taught me that, said the so called Sunday drivers cause so many accidents because they don't have a purpose to why they are out driving. X

Saver-upper

NSD 8 today,HOORAY!!:money:
Spent the day cleaning and tidying (Groundhog day around here,I tell ya!!).
But I am very pleased with how the house looks,and very pleased I didnt need to buy any groceries(cos I've got enough food in the house for my family to complain about:"oh,mum,I don't like this....Mum,I don't want this.....can I have marshmallows for dinner......" etc etc).:rotfl:

MissE001

Finally getting back on track.... # 6 / 20 for me today :j

Front page updated - hoping to be back with another tomorrow

Well done to everyone achieving and breaking through the targets :A

MissE001

There are

52

of us in this month's challenge and so far we've got

335 NSDs :j:j

MissE001

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.


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!

Sazzie23

The in a row challengers update - seems to have been a bit quiet from the in a row challengers - hope I haven't missed anyone

Beth2242 nospecific target - achieved 4 in a row

Candlewick no specific target - achieved 3in a row

Cardio80 3 ina row

ETO no specific target achieved 3 in a row

Flubberzing nospecific target - achieved 3 in a row

Kate fixing it nospecific target - achieved 5 in a row

Kayester 4 in a row achieved 4 in a row target met

Knitwitch 4 in a row achieved 6 in a row target met & exceeded

Lovefullshelves 5 in a row

Marmite 4 in a row

Mon1o no specifictarget achieved 3 in a row

Out of Debt 4 in a row

PhantomWOlf 3 in a row twice achieved 2 in a row

Pinknfluffy nospecific target achieved 3 in a row

Sazzie23 5 in a row

Slowly fading no specific target achieved5 in a row

Strandedinaber 5 in a row achieved 3 ina row

Suziebabe 3 in a row

Traveller 5 in a row

lovefullshelves

Well...I've had an interesting time since i was last on here but it has meant I have had alot od NSD's!! I ended up in hospital, major surgery! So....
NSD 6, 7, 8, 9, 10, 11, 12, 13, 14, 15 and today will be NSD 16 and I believe I ended up with 11 in a row!!!
So...major emergency surgery is good for not spending!!!:rotfl: