The Super September NSD Thread!

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  • marmiterulesok
    marmiterulesok Posts: 7,812
    First Anniversary First Post Combo Breaker Photogenic
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    edited 1 October 2017 at 11:29AM
    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!
  • marmiterulesok
    marmiterulesok Posts: 7,812
    First Anniversary First Post Combo Breaker Photogenic
    Forumite
    edited 1 October 2017 at 11:30AM
    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
  • marmiterulesok
    marmiterulesok Posts: 7,812
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    edited 13 September 2017 at 2:33PM
    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
  • marmiterulesok
    marmiterulesok Posts: 7,812
    First Anniversary First Post Combo Breaker Photogenic
    Forumite
    edited 13 September 2017 at 2:33PM
    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
  • beanielou
    beanielou Posts: 89,339
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Ambassador
    Thanks Marmite for setting up the shiny new thread.

    Can you I please go for 15?
    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 [email protected]. 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.
  • Can I join please?
    Will be aiming for 15 out of 30
    Lightbulb moment - 17/08/2017 £17,033.  Current CC debt £2100 DFD 31/7/24 6 months to go…. 23 weeks 

  • jojitsui
    jojitsui Posts: 403
    Combo Breaker First Anniversary
    Forumite
    Can I join please. I'd like to try for 20 days.
    Thanks :)
    Make £10 a day, October 2023 - £105/£310
  • beanielou
    beanielou Posts: 89,339
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Ambassador
    The more the merrier :)
    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 [email protected]. 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.
  • arc2014
    arc2014 Posts: 194
    First Post Combo Breaker First Anniversary I've been Money Tipped!
    Forumite
    I would like to give this a go as I'm returning to work this month. I'd like to go for 15!
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