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Jump into January NSD Challenge

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  • NSD 4!!! Today.

    will have to spend tomorrow but if I get 3 more this week it will just be 3 next week. Im off three days for my birthday so should not have to spend much
    Cc debt; £4950 Tesco - £3.37 Boots - £3.94 £2 pot - £0.00 Sealed pot NO40 - £7.87 no spend days jan-3/31 £2 savers = £6
  • NSD #4 today. Tomorrow SHOULD be one too with any luck! Unless I have to acquire more cold busting tablets!
    *2014 £365/365days - £52/£365* *20p Savers club #17 £12.00/£50*
    March 2014 NSD 0/15 take lunch to work march 0/21
    sealed Pot Challenge #260
    NMB books: 6/94+ NMB DVDs: 13/67
    "Life is not measured by the number of breaths you take but the moments that take your breath away."
  • MissE001
    MissE001 Posts: 797 Forumite
    Eighth Anniversary Combo Breaker
    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 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 & 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 :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!
    SPC Member #112 :A Save £2k in 2014 # 160 :money:
  • Delilahh
    Delilahh Posts: 476 Forumite
    Eighth Anniversary Combo Breaker
    Declaring another one today, so I've now got


    5/10 NSD's
    Sealed Pot Challenge No 306
  • Morning all,

    Quick dash in to report NSD #7 & 8 for Sunday & Monday. Still not well, managed to make it through the day at work yesterday and fairly sure I'm going in today although my cough is worse this morning. I had a dream that I'd called in sick and had to think about it when I woke up ~ fairly confident that I didn't ring the boss in the middle of the night :D

    Have a great day!
    CC1 £5999 Total Debt March 2021 £5999
    NSDs March 1/20
  • blubella
    blubella Posts: 581 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker

    Over half way there on reaching my NSD's target...
    :j
    6/10 NSD

    #4 DFBXMAS24 - £2,322.85/£5,000
    NSD Challenge - Jan 15/12, Feb 3/12, Mar 10/10 Apr 10/12, May 5/12.
    SPC #44


    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Aiming for #7 today but have had the worst night's sleep ever. Possibly going to need coffee to survive the office...:eek:
  • Yesterday was NSD #9 and today will be NSD #10 :D as I'm gonna 'supervise' my friend doing my job!!! Oh dear!
    2013 NSD 100. CC2014CC- £31.50/£135
    2014 NSD 86 so far - May 20/21
    2014 G/C spend £741.55 so far May £107.99/£91
    Debt Free - 30.05.13 Emergency tin - £1000
    June 23 - 9NSD
  • NSD 7 for me today :)
  • emsikins
    emsikins Posts: 121 Forumite
    Tenth Anniversary Combo Breaker
    Dropping in to report another 3NSD taking my total so far to 4/10
    Total debt at LBM... £16,815.02 :eek:
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