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  • FIRST POST
    • solventsoon
    • By solventsoon 31st Dec 10, 5:25 PM
    • 17,281Posts
    • 81,274Thanks
    solventsoon
    Out with the old, in with the new: the January NSD challenge
    • #1
    • 31st Dec 10, 5:25 PM
    Out with the old, in with the new: the January NSD challenge 31st Dec 10 at 5:25 PM
    WELCOME TO THE JANUARY NSD CHALLENGE



    January: the month for making resolutions that (usually) don’t last beyond the first week - I’ve stopped counting how many times I’ve given up chocolate and alcohol and I’m sure you all have your own to confess.

    Why not make a different type of resolution this year? Come and join the NSD challenge and resolve to keep your hard-earned cash safe, loved and cossetted with you rather than being used and abused by those nasty retailers.


    We are a happy (and some might say mildly insane) bunch doing battle with those retailers - and there’s plenty of temptation at the moment with all the sales on. We are seriously committed to saving money, but nobody said it can't be done with a smile on your face - so we organise riotous nights out and gatecrash any function going - all without leaving the comfort of our own imaginations or armchairs!

    On a slightly more serious note, we are here to help each other avoid spending for the number of days we feel we can manage to try to take back some control over our hard-earned money. What you class as a "spend'" is entirely your choice; some people will try to shop on the days DD/SO etc are paid, whilst others will not include essentials such as rent. Have a look for a post from our sponsor (and godmother of this challenge) BigMummaF, this contains some guidelines and ideas for starting you off on the challenge.

    It’s amazing how inventive you get when you’re determined NOT to spend - from weird menu ingredients to surprising DIY solutions - but you know what? 99% of the time those wacky ideas work.


    The link to our December thread is below so you can see what a friendly group we are. New recruits are joining up all the time - everyone is welcome so please don’t be shy, come and join us, the more the merrier.


    Good luck everyone, our lucky mascot is joining us again for January





    Here are some threads to help keep us on the straight and narrow, if you know of others, please post. Many of the lunch box ideas are aimed toward children and are great ideas now that everyone’s going back to work or school.

    March Grocery Challenge, with lots of recipe ideas.
    Tinned Food Recipes.
    Leftovers? Don’t Throw It..
    Exciting Sandwich Fillings on a Budget.
    Lunch for Work.
    Laptop Lunchbox Ideas.
    Packed Lunches.
    Cheap Healthy Snacks
    Cheap Snack Ideas to Stop Buying Crisps.
    Homemade Snack Ideas…contains further links for ideas.
    Sprouting Seeds to Eat.
    Really Quick & Alternative Snacks.
    Easy Homemade Biscuits.
    Muesli & Cereal Bar Recipes.
    Weetabix Cake.
    HM Popcorn.
    Smoothie Recipes.
    Yoghurt Without a Yoghurt Maker.
    Ham Economics.
    Low Carb Kids Lunches...contains advice for diabetics.
    Kids Lunch Box Ideas.
    Back to School Lunches.
    Healthy Kids Snacks.
    HM Lollies.
    Ice Lolly Ideas
    Cheap Healthy Playground Snacks.
    Homemade Fudge.
    OS HM Sweets.
    Forgotten Puddings.
    Making chocolates or sweets

    Link to last month's challenge is below so any newcomers can see what we get up to (hmmmmm... on second thoughts, that might put you off...)





    Last edited by solventsoon; 30-01-2011 at 11:48 PM.
    The time you enjoy wasting is not wasted time
Page 1
    • solventsoon
    • By solventsoon 31st Dec 10, 5:26 PM
    • 17,281 Posts
    • 81,274 Thanks
    solventsoon
    • #2
    • 31st Dec 10, 5:26 PM
    NSD challengees
    • #2
    • 31st Dec 10, 5:26 PM
    Thanks to all the regulars and newbies who have joined up already, hoping lots more of you will come along for the ride - it's definitely a case of the more the merrier on here

    No "Strictly" this month, so I thought we'd have a dancing theme for the prizes for January, hope you like them

    target met = target no 2 met =
    target no 3 met = target no 4 met =

    target exceeded =

    We have 5 prizes this month because beanie managed 4 targets last month and I'm anticipating a repeat peformance



    2joanne - 10 9
    3Dogs - 15 15 target exceeded 16
    Amethyst68 - 10 10 target increased 15 15 target increased 18 16
    Baileys Babe - 17 7
    beanielou - 11 11 target increased 14 14 target increased again 20 20 target increased 24 24 target exceeded 25
    belfast_girl - 10 10 target increased 15 14
    bella121984 - 7 7 target increased 10 8 target increased again 15 9
    BigMummaF - 15 15 target exceeded 23
    BlimusOreilly - 10 5
    blissfullydebtfreewannabe - 16 16 target exceeded 20
    boultdj - 15 15 target exceeded 21
    Brown_suga - 10 10
    brummiebabe - 15 3
    buddiebabe - 7 6
    butdoineedit? - 15 15
    candyapple - 20 7
    candygirl - 15 4
    cannp123165 - 10 4
    Casperthefriendlyghost - 20 3
    castri09 - 10 5
    catslovelycats - 12 12
    Changingme - 20 8
    chris81418 - 19 19 target increased 23 23 target exceeded 24
    CommitedToChange - 15 15
    cuddlymarm - 14 14 target exceeded 19
    cw18 - 12 12
    d17 - 1
    DansMum - 12 12 target increased 15 15 target exceeded 17
    Decluttering - 12 12
    Dee_cb - 10 10 target exceeded 12
    determined new ms - 20 9
    dmb - 12 12 target exceeded 17
    dollybeads - 10 10 target increased 12 12 target exceeded 13
    donna dynamo - 10 10 target increased 15 15 target increased again 19 19
    ebayqueen - 10 10 target increased 12 12
    ebsaver - 18
    ehallett - 20 7
    elf06 - 10 10 target increased 13 13 target exceeded 14
    elfen - 15 15 target increased 17 17
    emiliah - 15 15
    emylou - 10 1
    fedupandskint - 15 13
    got-it-spend-it - 10 10
    hannah:-) - 10 10
    HeadAbove - 6 5
    honey - 10 10
    Hopeless Case - 20 2
    ifwishes - 15 15 target increased 17 17
    ilovetea - 10 10 target increased 15 15 target increased again 20 20 target exceeded 21
    ln1981 - 10 8
    InaPickle - 7 5
    janeawej - 10 8
    jedi82 - 10 10 target exceeded 12
    JES_F1 - 15 5
    jintyb - 17 17 target exceeded 18
    jjef -12 1
    Jolaaled - 15 12
    julytex - 15 9
    kalojac - 10 2
    karom - 12 12 target exceeded 13
    katenut - 16 16 target increased 19 19
    katholicos - 18 18 target exceeded 21
    Kayleighpea - 10 5
    kdenty - 20 20
    Keiss 21 - 17 17 target increased 19 19 target exceeded 20
    Kellyjelly27 - 12 1
    kerri gt - 14 14 target exceeded 16
    kessik - 20
    kezlou - 10 8
    LadyfromVenice - 18 11
    Laurent1369 - 12 2
    Lemon Tree - 15 2
    lily288 - 24 4
    lilylass - 12 12

    LittleMissHappy - 15 15 target increased 18 18 target exceeded 19
    Liz41 - 15
    lotti379 - 10 10 target exceeded 11
    loveGSDs - 10 10 target exceeded 12
    madras79 - 15 10
    martafdz - 10 8
    meersy22 - 12 8
    MINMOL - 10 2
    misswissy - 10 5
    mommychaos - 6 2
    Money Fritter - 12 12 target exceeded 16
    moneypenny2k - 10 10 target increased 15 15
    monks - 15 15 target exceeded 11
    mrs motivated - 15 13
    muffin man 7 - 10 10 target increased 15 15 target exceeded 16
    mummyroysof3 - 15 15 target exceeded 20
    mumofjusttwo - 15 15 target exceeded 20
    Nargleblast - 12 12 target increased 14 14
    Nejlloyd - 20 10
    niccatw - 15 15 target increased 18 18
    target exceeded 21
    Nym Mcfroglet- 10 10 target increased 15 15
    Palema - 10 10 target exceeded 14
    PerfectPeaches - 10 10 target increased 16 16 target exceeded 18

    pinkfluffybabe - 10 10 target exceeded 11
    plzhelpmesave! 3
    prettypaula - 7 1
    redcoltraine - 20 6
    romylou - 15 15 target exceeded 20
    SarahNeedle1872 - 18 18
    savingcaz - 18 18 target increased 20 20 target increased 22 22 target exceeded 23
    sazzledazzle - 12 9
    SBeth - 15 15
    SeasideEm - 15 10
    shedstar - 9 5
    skaps - 15 15 target exceeded 18
    slowlyfading - 18 18 target exceeded 22
    sofababe - 10 10 target increased 12 12
    solventsoon - 20 20 target exceeded 24
    somethingsgottogive - 20 19
    steerpiker - 11 3
    Sunnylooloo - 20 20
    Surfbabe - 10 10 target exceeded 12
    suzie wong - 10 10 target increased 14 14
    SuziQ1962 - 10 10target increased 15 15
    tazmac25 - 10 10
    teenyweenyspender - 20 20 target exceeded 21
    The Dragon - 15 15 target exceeded 18
    thriftyfairy - 10 1
    tina01904 - 10 3
    Tixy - 15 15 target exceeded 17
    Trinny - 15 13
    Tropicalmoments - 15 15 target exceeded 17
    twistedhazel - 15 15 target exceeded 16
    Wee Pilsbury - 15 15 target increased 18 18
    WelshWoofer - 10 7
    wit40iwtwan - 20
    20 target exceeded 21
    Wonkey Donkey - 12 7
    Yorkielass - 15 12
    Last edited by solventsoon; 02-02-2011 at 12:45 PM.
    The time you enjoy wasting is not wasted time
    • solventsoon
    • By solventsoon 31st Dec 10, 5:26 PM
    • 17,281 Posts
    • 81,274 Thanks
    solventsoon
    • #3
    • 31st Dec 10, 5:26 PM
    Hall of Fame
    • #3
    • 31st Dec 10, 5:26 PM
    This is for anyone who wants to set themselves a target for a number of NSDs in a row. We had some impressive numbers in December (added below), so if anyone would like to have a go at this, I'll add you here

    December records:
    chris81418: 11 in a row
    beanielou: 10 in a row
    elf06: 6 in a row
    muffin man 7: 5 in a row

    January challenges
    bella121984: 7 in a row
    niccatw: 7 in a row - woohoooooo.. made it
    8 in a row - woohooooooooooooo!!
    chris81418: 6 in a row - woohoooooo.. made it
    Baileys Babe: 6 in a row - woohoooooo.. made it
    The Dragon: 6 in a row - woohoooooo.. made it
    Tropicalmoments: 6 in a row - woohoooooo.. made it
    boultdj: 6 in a row - woohooooooo... 7 in a row
    katenut: 5 in a row
    muffin man 7: 5 in a row - woohoooooo.. made it
    new challenge: 6 in a row
    redcoltraine: 5 in a row
    beanielou: 5 in a row - woohooooooo... 6 in a row
    woohooooooo... 7 in a row
    Keiss 21: 5 in a row
    kezlou: 5 in a row
    Sbeth: 5 in a row - woohoooooo.. made it
    savingcaz: 5 in a row - woohoooooo.. made it
    new target - 6 in a row - woohoooooo.. made it
    Tixy: 5 in a row - woohoooooo.. made it

    forsya: 4 in a row
    elfen: 3 in a row
    Last edited by solventsoon; 07-02-2011 at 12:49 AM.
    The time you enjoy wasting is not wasted time
    • solventsoon
    • By solventsoon 31st Dec 10, 5:29 PM
    • 17,281 Posts
    • 81,274 Thanks
    solventsoon
    • #4
    • 31st Dec 10, 5:29 PM
    Guidelines
    • #4
    • 31st Dec 10, 5:29 PM
    Some helpful suggestions and ideas to follow below from our sponsor and godmother, BigMummaF

    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
    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 & have been l-o-n-g time Nsders so don't panic
    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 )
    General thoughts on €bay sales is the buyer has paid P&P so no cost to you
    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 Solvent's (aka Spoon) first 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
    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....
    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 so don't fret it--ENJOY! If nothing else in here, we do manage find something to make us smile

    We have virtual outings to wonderful places that never cost us a bean New York, Edinburgh & Brighton have been a couple & Spoon 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 The only thing to be aware of is Hubert the donkey who is partial to anything remotely edible but is not yet house-trained

    And Remember;
    there are no silly questions, so don't be afraid to ask us anything!
    Last edited by solventsoon; 02-01-2011 at 5:15 PM.
    The time you enjoy wasting is not wasted time
  • janeawej
    • #5
    • 31st Dec 10, 5:40 PM
    • #5
    • 31st Dec 10, 5:40 PM
    I'm here, after a last minute failure as I had to buy milk and a stamp today Im up for starting afresh tomorrow!
    Member 1145 Sealed Pot Challenge No4
    NSD challenge not to spend anything till 2011!
    • jedi82
    • By jedi82 31st Dec 10, 6:01 PM
    • 406 Posts
    • 3,548 Thanks
    jedi82
    • #6
    • 31st Dec 10, 6:01 PM
    • #6
    • 31st Dec 10, 6:01 PM
    Hi Spoony, I have been awol for a couple of months. Have actually been really good spending wise but just needed some time away from forums for a bit. But I am back and ready to put down a refreshing 10 NSDs for Jan!

    Hope you all have a lovely new year

    Jedi x
    Finally getting my life on track. Onwards and upwards.
    BSC No 327
    GC Jan 336.91/450
    GC Feb 0/400
  • niccatw
    • #7
    • 31st Dec 10, 6:07 PM
    • #7
    • 31st Dec 10, 6:07 PM
    And I think I'll be brave and up my traget from my usual 14 to 15! Ok, so not the bravest thing I've ever done but if I can't do it in January when all I want to do is hibernate, it won't bode well for 2011!

    Spoony - you've been making the wrong types of resolutions all these years! As have I!!!

    This year I have a much more fun and sensible resolution: to spend more time with the people who make me laugh.
    Jan10: 28,315.81 Jan11: 18,015.32 Jan12: 7,682.58 Jan13: 2,987.73 Current debt: 1,225.55
    HFC 1896.10. 225.55 SLC2 5123.34 0 Others 2085 1000 Bcard 1172.60 0

    Mike's Mob

    • solventsoon
    • By solventsoon 31st Dec 10, 6:10 PM
    • 17,281 Posts
    • 81,274 Thanks
    solventsoon
    • #8
    • 31st Dec 10, 6:10 PM
    • #8
    • 31st Dec 10, 6:10 PM
    And I think I'll be brave and up my traget from my usual 14 to 15! Ok, so not the bravest thing I've ever done but if I can't do it in January when all I want to do is hibernate, it won't bode well for 2011!

    Spoony - you've been making the wrong types of resolutions all these years! As have I!!!

    This year I have a much more fun and sensible resolution: to spend more time with the people who make me laugh.
    Originally posted by niccatw
    I certainly have, nicca, and love your resolution, think I might pinch that one

    Well done for being brave with your target
    The time you enjoy wasting is not wasted time
    • solventsoon
    • By solventsoon 31st Dec 10, 6:13 PM
    • 17,281 Posts
    • 81,274 Thanks
    solventsoon
    • #9
    • 31st Dec 10, 6:13 PM
    • #9
    • 31st Dec 10, 6:13 PM
    I'm here, after a last minute failure as I had to buy milk and a stamp today Im up for starting afresh tomorrow!
    Originally posted by janeawej
    Oooh... janeawej, thought I'd told you about that "f" word...... not having my lovely new thread sullied with that word.

    Welcome on board, hope you enjoy your first full month of the challenge

    Hi Spoony, I have been awol for a couple of months. Have actually been really good spending wise but just needed some time away from forums for a bit. But I am back and ready to put down a refreshing 10 NSDs for Jan!

    Hope you all have a lovely new year

    Jedi x
    Originally posted by jedi82
    Hi jedi, welcome back, we've missed you. I know what you mean though, sometimes you just need a break.

    Well done on the spending
    The time you enjoy wasting is not wasted time
  • kdenty
    I've not done this challenge before but would like to give it a go. I assume you don't count when the bills come out the bank - just the days you go in a shop and pay?

    Can I try for 20 days? or is this too stupid. I really do need to not spend any money in January other than on groceries!

    20 days - woop
    • reb
    • By reb 31st Dec 10, 6:35 PM
    • 315 Posts
    • 2,018 Thanks
    reb
    Welcome me back please?
    I forgot all about this. I did it last year and the the dreaded fb took over.
    I have repented and returned.
    Yaaaay!
    I am going for at least 4 each week
    I don't get to come on here too often.
    Too buzy money saving!
  • SarahNeedle1872
    Hiya Spoony,

    I've been pretty pants at the whole MSE thing over the last few months, and need to get back into it in a big way.... Can I start with 18 NSDs for Jan please

    Sx
    'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde
    • JES_F1
    • By JES_F1 31st Dec 10, 6:40 PM
    • 671 Posts
    • 1,425 Thanks
    JES_F1
    Hello!

    I love this challenge but haven't signed up for the last couple of months ... so would like to start afresh in 2011.

    I've successfully managed around 12 NSDs in the past but would like to give 15 NSDs a go for January!

    THANK YOU!!!

    Very best wishes to everyone for 2011!

    I shall be seeing in the New Year with the television, some peanuts, the last bit of Christmas cake, and a glass or two of wine from a bottle given to me for Christmas

    Last edited by JES_F1; 31-12-2010 at 6:41 PM. Reason: typo
    Debt Jan 2008: 45,566. *** June 2013: DEBT FREE! ***
    Paid back just under 50,000 due to some interest added.

    Dealt with my debt through a Step Change
    (CCCS) DMP.
    DMP Mutual Support Thread Member #240.
    • donna dynamo
    • By donna dynamo 31st Dec 10, 6:45 PM
    • 892 Posts
    • 6,535 Thanks
    donna dynamo
    Hi all i would like to try for 10 nsd for the month. If i get over it will be a bonus.
    #Sealed pot #085.
    1 debt versus 100 days 108.32/300
    Debt Jan 2016 6877.37. Aug 6155.56
    xmas saving 1 a day 274/366.
  • elfen
    Can I go for 15 this month please? Starting to up it due to going on the mass eating healthy thingum, and being back at uni.
    ** Total debt: 6950.82 May NSDs 1/10 **
    ** Fat Bum Shrinking: -7/56lbs **
    **SPC 2012 #1498 -152 and 1499 ***
    I do it all because I'm scared.
    • Dee-Dee
    • By Dee-Dee 31st Dec 10, 6:56 PM
    • 256 Posts
    • 1,090 Thanks
    Dee-Dee
    Hi,

    Would it be ok if I joined you guys? I really need to make some savings this year!

    Thanks.
    • twistedhazel
    • By twistedhazel 31st Dec 10, 6:58 PM
    • 215 Posts
    • 1,398 Thanks
    twistedhazel
    Hello all, could you please put me down for 15 Spoon. Many thanks.
    • solventsoon
    • By solventsoon 31st Dec 10, 6:58 PM
    • 17,281 Posts
    • 81,274 Thanks
    solventsoon
    Hi newbies and oldies
    All added to the front page now, welcome aboard the NSD challenge

    kdenty - hi and welcome, good to have you join up. You can do either actually, the more hard core NSDers count both bills and actual spending, most of us count just spending. BigMummaF has put some guidelines on the December thread which will be moving here when they're finalised, have a look, they might give you some ideas. I've put your target as 20 but if you want to change it having read that, feel free. Good luck

    reb - welcome back, well done for giving up FB for us, we're much friendlier. I've put your target as 20 for now, will that be OK?

    SarahN - welcome back, we've missed you. All signed up for your 18 now, good luck and keep posting, that's the way most of us make our targets

    JES_F1 - welcome back to you as well. Good luck with your 15, keep posting I'm sure you can do it. Enjoy your evening

    donna dynamo and elfen - good to see you both again, all signed up now

    Back later to check that everyone's behaving
    spoon x
    The time you enjoy wasting is not wasted time
    • twistedhazel
    • By twistedhazel 31st Dec 10, 7:01 PM
    • 215 Posts
    • 1,398 Thanks
    twistedhazel
    I must just say that the piggie with the money (at the top of the NSD challenge thread every month) looks like he's in pain poor wee thing! I think it every time I see it but finally got round to pointing it out.....(or perhaps it just my subliminal mind justifying why my piggy bank never gets fed )
    • solventsoon
    • By solventsoon 31st Dec 10, 7:02 PM
    • 17,281 Posts
    • 81,274 Thanks
    solventsoon
    Oooh.. I turn my back for 2 mins and more joining up, going to be a busy month I can see

    Dee-Dee - yes of course you can join us, you're very welcome. I've added your name to the list now. Would you like to set yourself a target for your NSDs for Jan? Good luck and keep posting, we'll give you loads of support advice and kicks up the bum if needed

    twistedhazel - welcome back, all signed up now, good luck

    spoon x
    The time you enjoy wasting is not wasted time
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