NSD's?

Merchandiser2367

Morning all,

Just a quick question regarding NSD's. Like almost everyone on here, we budget pretty much everything for our daily/weekly/monthly spend.

So, does it count as a NSD if everything is already on your budget for that day? My thoughts were that a NSD helps save money but if it is budgeted for already, then it's not going over what you have already planned for?

Obviously we do buy things off budget, i.e some bookends and a shoe rack from a charity shop yesterday, but, mainly No Spend Days are similar in feeling to days when we do spend as it is pretty much all planned for anyway?

FloppyDisk

I like the theory of NSDs to limit my frivolous spending, so yes it isn't supposed to to get budgeted things. To do that, I like to do my food shop weekly with a meal plan so there's no need to buy odd bits and bobs mid week that can snowball. It just eliminates the spur of the moment temptations.
Although I have a budget for non-food/fun shopping, I prefer not to spend it, so buying something in town would blow an NSD even if I had the money in the pot for it.

Merchandiser2367

FloppyDisk wrote: »

I like the theory of NSDs to limit my frivolous spending, so yes it isn't supposed to to get budgeted things. To do that, I like to do my food shop weekly with a meal plan so there's no need to buy odd bits and bobs mid week that can snowball. It just eliminates the spur of the moment temptations.
Although I have a budget for non-food/fun shopping, I prefer not to spend it, so buying something in town would blow an NSD even if I had the money in the pot for it.

Hmmm a meal plan does seem like a good ideas, Thanks! We do try and buy as much as possible in 1 big monthly shop and then top up at weekends throughout month but probably do end up buying bits and pieces we don't necessarily need Or ran out of something etc.

I think I need to get more value from NSD's 🙂

Miss_Moneysaver

Any money that is spent over the normal bills due out of our bank account, that day, would be a 'spend day' but if we didn't spend anything that day then it would be a NSD. We both allow each other 'pocket money' each Friday and sometimes we spend the lot and sometimes we don't.
We also meal plan! Helps keep spending hands at bay!

Merchandiser2367

Miss_Moneysaver wrote: »

Any money that is spent over the normal bills due out of our bank account, that day, would be a 'spend day' but if we didn't spend anything that day then it would be a NSD. We both allow each other 'pocket money' each Friday and sometimes we spend the lot and sometimes we don't.
We also meal plan! Helps keep spending hands at bay!

Thank you, I am now understanding what a NSD really means :T