Jump into January NSD Challenge

MissE001

BigMummaF – Nothing like another NSD to put a smile on your face - #18 - wow :j

Blubella – £5 left till payday definitely helps in getting #12 and exceeding your target :money:
Cardi80 – #12, 13 and 14 for you :T

Fedupandskint – I have no doubt you’ll nab another few to add to the 26 NSDs you already have

FinanciallyUnsavvy – well done on getting to your target with # 15 :j:):j

Flubberyzing – I think you’re on #17 which is a great achievement. I’m not sure I could deal with the unfortunate tummy bug in a professional manner :eek::)

Frugaldubs – well done on #8 and the low spend days too :T

Giggles86 – well done on #11 – smashing your target :money::)

Jeezypeeps – #9 in the bag – fingers crossed for the last one :T
Kate_Fixing_It – huge congratulations on #17 – it’s lovely to see you’re so delighted and we’re all willing you to meet your target :A

Kerri gt – and another NSD hits the pile with #14. :mad: to the SLAs and dodgy communications
Moomin – you’ve already burst through your target with lucky-for-some #13 :money:

Nargleblast – you’re cauldron’s almost brimming over with #14 tossed in there :rotfl:

Parsimonia – almost at your 2nd target with #17 :A

Saver-upper – another target met with #10 – good luck with nabbing a few more :money::j

Slowlyfading – #18 for you :j



And #19 for me over the last few days

Thanks to ETO and well done for exceeding your target :money::j

[FONT=&quot]Marmite – fingers crossed that today is indeed your last spendy day of the month
[/FONT]

MissE001

Sazzie23 wrote: »

Evening all

Tremendous figures reported - well done everyone.

This is the latest 'In-a-row' update MissE & ETO have been keeping up to date so hopefully no-one has been missed - sorry for being found lacking this month, will try harder.

Araminta 3 in a row achieved :j

Arthriticoldthing 3 in a row

Blubella achieved 3 in a row :j

Bottle of Red – Target 4 in row achieved 4 in a row :j

Brokemedic Target 3 in a row achieved 8 in a row :beer::j

Cardio80 Target 3 in a row & 3 in a row achieved :j

Delilah Target 3 in a row & 3 in a row achieved at least twice:beer::j

Flowerof Scotland Target 3 in a row & 3 in a row achieved:j

Goldiegirl 4 in a row achieved :j

Jaxmar Target 4 in a row & 4 in a row achieved :j

Jeezypeeps acheived 3 in a row:j

Jonesy Target 5 in a row

KnitWitch Target 5 in a row & 7 in a row achieved – Whippy doodah Yee Hah & woohoo :j:beer::j

Love full shelves Target 2 in a row & 2 in a row achieved - now 4 in a row – woohoo yeehah :j:beer:

Marmite Target 4 in a row declared 5 in a row x 2 - whippy doodah & Yeehah :beer::j:T

Mummy2threeboys acheived 5 in a row:j

Munchin Target 3 in a row

Nikki2002-2008 Target 5 in a row

Pasimonia Target 3 in a row & 4 in a row achieved - woohoo :j

QueenB Target 3 in a row

Saverupper Target 3 in a row & 3 in a row achieved – woohoo :j

Sazzie23 Target 5 in a row 8 in a row achieved - yippee:j

Tinks112 Target 4 in a row

Thanks for the update sazzie - I've updated the front page

blubella

MissE001 wrote: »

Blubella – £5 left till payday definitely helps in getting #12 and exceeding your target :money:

I'm a bit confused....?? I have already exceeded my first target which I set at #10....I have completed #12 NSD in total....am i posting my results wrong??? Please help! ....i'm going all out for #13 today!!!

....and the £5 is the remainder of the food budget I set for the month! I have £56.00 in my bank account in addition to my £5 food budget....cannot actually remember the time that I have had money in my account at this stage in the month....super happy... although I know it will be going on gas and electric bill

....and 0 spend on credit card in Jan too!!! That has to be a first in a long time....:T...hope I can continue how I have started.

Sazzie23

Morning all

NSD 20

For yesterday - before I forget

Trying to keep to budget for a mini shop today that should see us to the weekend

araminta

Claiming NSD 11,12,13/15, nearly there but not many days left, eek!

Knit_Witch

Woo hoo! now up to 23 NSDs :beer::j:beer:

Nargleblast

Delighted to report that Number 15 NSD is now tucked up with a mug of Horlicks inside the Cauldron of Doom!

Money did actually change hands today, between me and the Ringtons tea chap, but it was money that I had taken out of the bank a week or so ago and put into an envelope for that purpose, so I counted the day I took the money out as the spend day.

Kerri - just two words that will cause knees to tremble - TRADING STANDARDS. They obviously fell short of their customer service targets.

Kate_fixing_it

OMG OMG OMG OMG I DON'T BELIEVE IT! I DID IT!!!

Had actually planned to spend today but to avoid the rain my lunch with a friend was re-located to work coffee shop and she treated me (I'm paying next month) so here it is...

:j :j NSD 18 :j :j

That's totally made my day/week/month

Kate x

marmiterulesok

#16 today.

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!