Jump into January NSD Challenge

mummy2threeboys

hi can i be put down for 20 nsd please thansk x

nikki2002-2008

nsd #4 not going out today so a quiet one

fedupandskint

NSD 5 for me today.

At home catching up on jobs and eBay listings.

lovefullshelves

NSD #3 yesterday and NSD #4 today as I'm going nowhere!! Which gives me 2 in a row...a nice gentle start for the new year and its only the 5th!
Oh and I was so happy yesterday. I opened up my £2 coin saving pot...£144 woohoo

ArthriticOldThing

Hooray - today makes 3 NSDs in a row. Never thought would be able to do that. I started this challenge on Monday and am really pleased with myself to have 5 NSDs in all so far. :j

MissE001

Not one for me yesterday as had to pay train fare and treated myself to a coffee as I was spending anyway

Took Christmas decs down and put them all back safely in the loft. The house is back to normal....just in time for going back to work tomorrow

MissE001

lovefullshelves wrote: »

NSD #3 yesterday and NSD #4 today as I'm going nowhere!! Which gives me 2 in a row...a nice gentle start for the new year and its only the 5th!
Oh and I was so happy yesterday. I opened up my £2 coin saving pot...£144 woohoo

Well done lovefullshelves - I've updated the front page with your in-a-row success. Good luck with the £2 savings pot

bottleofred

Good Afternoon folks:),

Very wet and windy in NI, although looking at the weather forecast, that pretty much covers the entire UK:eek:
I am able to declare NSD3 for Friday:)
No NSD for yesterday though, as I did some grocery shopping and treated myself to a take away last night:o
I am hopeful that today will be an NSD, although will report back later.
I hope everyone is enjoying a nice start to 2014 and staying dry if possible:)

MissE001

ArthriticOldThing wrote: »

Hooray - today makes 3 NSDs in a row. Never thought would be able to do that. I started this challenge on Monday and am really pleased with myself to have 5 NSDs in all so far. :j

Wow, halfway to your target already ArthriticOldThing - well done you :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 & nargle 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!