The Amazing August NSD Thread!

edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
134 replies 9.7K views
marmiterulesokmarmiterulesok Forumite
7.8K Posts
Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
✭✭✭✭
edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
Sign up people for August!
«13456714

Replies

  • edited 29 August 2017 at 11:21AM
    marmiterulesokmarmiterulesok Forumite
    7.8K Posts
    Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
    ✭✭✭✭
    edited 29 August 2017 at 11:21AM
    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!
  • edited 29 August 2017 at 11:23AM
    marmiterulesokmarmiterulesok Forumite
    7.8K Posts
    Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
    ✭✭✭✭
    edited 29 August 2017 at 11:23AM
    Here are our lovely prizes:

    1st target achieved:20tm1w5.jpg

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

    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 12 August 2017 at 8:26PM
    marmiterulesokmarmiterulesok Forumite
    7.8K Posts
    Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
    ✭✭✭✭
    edited 12 August 2017 at 8:26PM
    Post your target and I'll add you to the list!

    marmiterulesok 5/10

    Florence J 5/15

    Nargleblast 4/15

    Purplemomof2 0/10

    beanielou 7/15

    Honeysucklelou2 0/10

    lotti379 2/15

    quintwins 8/20

    NettyR 1/10

    indigowarrior 3/15

    donkids 2/10

    carolynw 0/10

    mizmir 6/10

    squanderscouse 0/10

    determined new ms 4/15

    Kittychick 2/6

    thoragunnr 3/15

    Captain Bluebear 3/12

    honey 2/7
  • edited 1 October 2017 at 12:33PM
    marmiterulesokmarmiterulesok Forumite
    7.8K Posts
    Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
    ✭✭✭✭
    edited 1 October 2017 at 12:33PM
    Post your target and I'll add you to the list!

    The prize:taggg4.jpg


    marmiterulesok 4

    Florence J 3

    NettyR 3

    indigowarrior 3

    squanderscouse 3

    determined new ms 4 taggg4.jpg

    mizmir 5 taggg4.jpg

    Captain Bluebear 3 taggg4.jpg
  • Florence_JFlorence_J Forumite
    1.9K Posts
    Fifth Anniversary 1,000 Posts Combo Breaker
    ✭✭✭
    I am in. I am aiming for 15 NSDs with 3 in a row

    Today is NSD number 1!
    Debt Free Stage 1 - Completed 27/08/2020
    Debt Free Stage 2 - Completed 50/181 Payments
  • NargleblastNargleblast Forumite
    10.6K Posts
    Part of the Furniture 10,000 Posts Debt-free and Proud!
    ✭✭✭✭✭
    July was a washout, just fell two short of target so I have given myself a short, sharp kicking and am determined to keep my focus on that bouncing Tigger. Put me down for 15 NSDs fir August please, marmite!
    One life - your life - live it!
  • Purplemumof2Purplemumof2 Forumite
    7.9K Posts
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    Hi Marmite,

    Glad to see you're ok? What Igor been feeding you?

    Please could I join with 10 this month?

    Thanks for running this thread again :)
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £5000.00 - Lloyds: £5590.00
    Xmas Pot £535/£700 ~ EF £621/1000
    PAYDBX 2021 - #? £0 / £2,000
  • marmiterulesokmarmiterulesok Forumite
    7.8K Posts
    Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
    ✭✭✭✭
    i promise that tomorrow i'll be bright eyed and bushy tailed!

    off to bed now. night folks!
  • beanieloubeanielou Forumite
    76.5K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    15 for me for August.
    Thanks Marmite as always :)
    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.***
  • Honeysucklelou2Honeysucklelou2 Forumite
    3.7K Posts
    Fifth Anniversary 1,000 Posts Name Dropper
    ✭✭✭✭
    I got half way to my target in July but would still like to reach it in August, so could I be put down for 10 NSDs please.
    paydbx2021 #93 £2315.50/£7,250 . 2021 savings challenge £38.94/£1000
    EF £400 . SPC 039
    Savings 2 £50.00 H2S £400.00
This discussion has been closed.
Latest MSE News and Guides

Students - apply for uni funding NOW

If you plan to get a place via 'clearing'

MSE News

A guide to council tax bands

Lower your band & save £1,000s

MSE Guides