The Super September NSD Thread!

edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
191 replies 11.3K 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!
«13456720

Replies

  • edited 1 October 2017 at 12:29PM
    marmiterulesokmarmiterulesok Forumite
    7.8K Posts
    Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
    ✭✭✭✭
    edited 1 October 2017 at 12:29PM
    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 1 October 2017 at 12:30PM
    marmiterulesokmarmiterulesok Forumite
    7.8K Posts
    Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
    ✭✭✭✭
    edited 1 October 2017 at 12:30PM
    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 13 September 2017 at 3:33PM
    marmiterulesokmarmiterulesok Forumite
    7.8K Posts
    Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
    ✭✭✭✭
    edited 13 September 2017 at 3:33PM
    sign up with your target and i'll add you to the list!

    marmite 2/10

    beanielou 9/15

    Shakey87 6/20

    BadBookkeeper 0/

    swimminginaseaofdebt 1/15

    purplemumof2 2/20

    jojtsui 0/20

    arc2014 6/15

    Doglover /

    Angela84 /10

    stoplurking 2/18

    Nargleblast 8/15

    peedie 3/15

    fruitloop04 2/15

    Kittychick 4/15

    Fivebyfive /15

    squanderscouse 2/12

    Munchin 2/12

    Tjzdazz /15

    Rachel24 2/12

    Honeysucklelou2 2/12

    Reb2016 4/

    helsbell 4/10

    missmental123 /12

    Decluttering /10

    honey /10

    Jo Blogs 4/15

    thorag4/15

    I_want_to_be_Free 1/10
  • edited 13 September 2017 at 3:33PM
    marmiterulesokmarmiterulesok Forumite
    7.8K Posts
    Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
    ✭✭✭✭
    edited 13 September 2017 at 3:33PM
    sign up your target and i'll add you to the list!

    marmite 4

    Fivebyfive 3

    squanderscouse 3

    Tjzdazz 3

    fruitloop04 3

    Reb2016 4

    I_want_to_be_Free 3
  • beanieloubeanielou Forumite
    76.4K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    Thanks Marmite for setting up the shiny new thread.

    Can you I please go for 15?
    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.***
  • BadBookkeeperBadBookkeeper Forumite
    299 Posts
    Third Anniversary 100 Posts Name Dropper
    ✭✭
    Can I join please?
    Will be aiming for 15 out of 30
    Challenges joined:
    21 things, 21 times in 2021
    #4 - 365 1p a day
    Payment a Day
  • jojitsuijojitsui Forumite
    396 Posts
    Can I join please. I'd like to try for 20 days.
    Thanks :)
    Make £10 a day August 2019 - £0/£310.
  • beanieloubeanielou Forumite
    76.4K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    The more the merrier :)
    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.***
  • arc2014arc2014 Forumite
    193 Posts
    I've been Money Tipped!
    I would like to give this a go as I'm returning to work this month. I'd like to go for 15!
This discussion has been closed.
Latest MSE News and Guides

Energy price cap could be extended beyond 2023

New plans have just been announced by the Government

MSE News

Cheap contents insurance for tenants

DON'T assume your landlord covers you

MSE Guides

Summer sizzlers round-up

Incl £2ish sun cream & £1.50 disposable BBQs

MSE Deals