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The Magnificent May-pole NSD Challenge!
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I'm very pleased to announce that I can declare 2/12 already! :j :j :j :j0
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Hello.
Can you put me down for 15 & for 5 in a row?
Thur, Fri, Sat & Sun all NSD's so off to a good start.
Hope you are all well.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Thank you marmiterulesok for perservering;you did it !!:j:j:j
Here to declare NSD#1 for May.
I hope everyone enjoys Bank holiday tomorrow xSPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.500 -
IrishRose12 wrote: »Well I've totally !!!!!!ed my NSD plan for today. Went to a car boot sale this morning with the 2 youngest and my neighbour and her kids. Got quite a few bargains including 2 scooters for the kids, Vintage Polly Pocket sets for DD and a bike for myself lol.
So even though it was a Spendy day, it was a productive one and saved myself a bit of money. Plus I think I've lost my daughter for a while lol. Am going to be good from now till next week though, I promise
We all have days like that.It sounds like you got some great bargains though!Hi everyone,
Well done to everyone so far!
I'm stuck on 1 NSD as i had a planned spendy day on Friday and then my husband went all spendy yesterday and today!!! I'm not happy about it but i am sure to be back on track for tomorrow.
Lets keep having lots of NSD's
regards
I'm just curious,do you include all your husband's spends,or do you have a joint budget for groceries and the like?solventsoon wrote: »Awwwww.. thanks Marmite :A Love the prizes :T
Hi to anyone who remembers me on this challenge. Hope you're all well and nab lots of NSDs this month. I'll probably be back sometime within the next few months when life and work calm down again. In the meantime.. happy NSD grabbing
Thanks again spoon:j:j:j
Yesterday is #2 for me.0 -
Nargleblast wrote: »Lovely flowery prizes, marmite!
Have finally posted the April results on the Eggstra thread - a fabulous result for the team!
Thanks!
I must go have a look at the results.:)Hello.
Can you put me down for 15 & for 5 in a row?
Thur, Fri, Sat & Sun all NSD's so off to a good start.
Hope you are all well.
Great to see you back beanie.I hope that you're well too.Saver-upper wrote: »Thank you marmiterulesok for perservering;you did it !!:j:j:j
Here to declare NSD#1 for May.
I hope everyone enjoys Bank holiday tomorrow x
Thanks saver-upper.I'm dead chuffed!:)
Have a great Bank Holiday everyone!0 -
The front page is updated.
There are 24 of us taking part and we have managed 31 nsds!:cool:0 -
Some helpful suggestions and ideas to follow below from our sponsor and godmother, BigMummaF :ANO 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 fineEveryone 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 [Weds mornings] in the cracked teapot & Ben's £1 coin for the gym locker [Friday lunch] 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 clubThe 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!0 -
Hi
This month's target is 10 NSDs.
Saturday 3, Sunday 4 and today 5 May are
NUMBERS 1,2 & 3 NSDS/10
Debt reducerHalifax Credit Card £1,392.29 0% to Nov 14
MBNA Credit Card £3,040.00 @ 0% to November 15
Mum £1640. Total Debt £6,072.29
Debt Free Day 31 Dec 15
NSD CHALLENGE APRIL 10/10 NSDs MAY 6/10 JUNE 0/100 -
Morning all, have been away up north for sat / sun for a family service. 400+ Miles driven and glad to be home last night.
However, yesterday was nsd#2 and not planning to go anywhere today so there's hope there too. Going to try and get out in the garden and get some fresh air after being cooped up in the car so much for the past two days.Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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NSD 4 today and one yesterday toofinal unsecured debt to repay currently £8333Proud to be Dealing With my DebtDFW Nerd 1154 Long Haul 1550
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