The July NSD Thread!

Hey folks.Let's see if I'm better at updating this month!
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  • edited 1 August 2017 at 7:08PM
    marmiterulesokmarmiterulesok Forumite
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    edited 1 August 2017 at 7:08PM
    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 :D
    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 :money: & 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 [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 :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![/COLOR
  • edited 2 August 2017 at 9:22AM
    marmiterulesokmarmiterulesok Forumite
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    edited 2 August 2017 at 9:22AM
    Here are our lovely prizes:

    1st target achieved:20tm1w5.jpg

    2nd target achieved: [IMG]http://i57.tiny pic.com/2uik5g0.jpg[/IMG]

    3rd target achieved: kcm8lu.jpg

    Target exceeded: 2vd0ksx.jpg

    Consolation prize:5vvz46.jpg




    Shawn the Shark is here to gently encourage any over eager nsders not to use the 'F' word ie F-a-i-l.....Other deterents include the dreaded soggy paintbrush and a manky kipper breakfast lovingly prepared by Igor.You have been warned....

    ioeyk9.jpg
  • edited 2 August 2017 at 5:33PM
    marmiterulesokmarmiterulesok Forumite
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    edited 2 August 2017 at 5:33PM
    Post your total and I'll add you to the list!

    marmiterulesok 10/10 achieved!20tm1w5.jpg19/20
    5vvz46.jpg

    Florence J 4/10 5vvz46.jpg

    Jo Blogs 15/15 achieved!20tm1w5.jpg
    target exceeded 19/15 achieved! 2vd0ksx.jpg

    indigowarrior 5/15 5vvz46.jpg

    beanielou 15/15 achieved! 20tm1w5.jpg

    target exceeded 24/15 2vd0ksx.jpg

    Big Hairy Spider 2/6 5vvz46.jpg

    Nargleblast 13/15 5vvz46.jpg

    HB2020 10/10 achieved! 20tm1w5.jpg

    Honeysucklelou2 5/10 5vvz46.jpg

    Pismo 3/10 5vvz46.jpg

    dreamtruce 1/15 5vvz46.jpg

    lotti379 12/12 achieved! 20tm1w5.jpg

    Captain Bluebear 6/12 5vvz46.jpg

    squanderscouse 2/12 5vvz46.jpg

    QueenJess 5/5 achieved! 20tm1w5.jpg

    mumofthetwins 11/155vvz46.jpg
  • edited 1 August 2017 at 7:16PM
    marmiterulesokmarmiterulesok Forumite
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    edited 1 August 2017 at 7:16PM
    Post your total and I'll add you to the list!

    The prize:taggg4.jpg


    marmiterulesok 4 achieved!taggg4.jpg

    Florence J 3

    indigowarrior 3

    Jo Blogs 6 achieved! taggg4.jpg

    Pismo 3

    Captain Bluebear 3

    squanderscouse 3
  • Florence_JFlorence_J Forumite
    1.9K Posts
    Fifth Anniversary 1,000 Posts Combo Breaker
    I'm in please, I am aiming for 10 NSDs with 3 in a row.
    Debt Free Stage 1 - Completed 27/08/2020
    Debt Free Stage 2 - Completed 50/181 Payments
  • marmiterulesokmarmiterulesok Forumite
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    Florence_J wrote: »
    I'm in please, I am aiming for 10 NSDs with 3 in a row.

    you're signed up! :D
  • Please sign me up I am aiming for 15nsds and three in a row with one in the bag already.
    No Spend November 2/15 and SPC 134
  • marmiterulesokmarmiterulesok Forumite
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    Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
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    Please sign me up I am aiming for 15nsds and three in a row with one in the bag already.

    you're signed up.well done on #1! :j:j
  • beanieloubeanielou Forumite
    83K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Forumite
    Please count me in Marmite.
    I seem to have lost the plot recently with money & with over eating.
    I need to get on the wagon.
    I need to reign in my spending big time.
    My son has now graduated & is a BA with hons.
    So no more excuses.

    Can i please go with 15.

    Today was no 1
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • Jo_BlogsJo_Blogs Forumite
    753 Posts
    Debt-free and Proud! Mortgage-free Glee!
    I'll go for 15 NSDs with 3 in a row and just carry on from there :rotfl:

    Today is NSD No.1 :);)

    All the best folks with this months NSDay challenge. I hope you all reach your goals - We can do it! :D:T:T
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44:starmod: for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 ;)Sept NSDs 4/15:staradminCCCChl 9/12 months:D
    Sept PPChl#002 Pts 71
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