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    • freebyfifty
    • By freebyfifty 26th Jan 13, 8:05 AM
    • 3,189Posts
    • 23,749Thanks
    The Love is in the Air February NSD Challenge
    • #1
    • 26th Jan 13, 8:05 AM
    The Love is in the Air February NSD Challenge 26th Jan 13 at 8:05 AM
    Welcome to the February No Spend Day (NSD) thread!!

    We are a happy (and some might say mildly insane) bunch doing battle with those retailers - and there!!!8217;s plenty of temptation out there at the moment. 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!!!8217;s amazing how inventive you get when you!!!8217;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.

    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...)

    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by Former MSE Debs; 19-02-2013 at 4:37 PM.
    Free by Fifty

    Debt of the Moment -
    August NSD Challenge 14/15
Page 1
    • freebyfifty
    • By freebyfifty 26th Jan 13, 8:06 AM
    • 3,189 Posts
    • 23,749 Thanks
    • #2
    • 26th Jan 13, 8:06 AM
    The Challengers
    • #2
    • 26th Jan 13, 8:06 AM
    It's that time of year when we begin to thaw out and our thoughts turn to lurrrvvvve So with that in mind, I hope you like my loving prizes

    1st Target 2nd Target 3rd Target Target Exceeded

    The Challengers
    Armchair !!!8211;14/12
    Baileys -8/8 Target Met 2nd Target Met 10/10 3rd Target Met 12/12 Target Exceeded 12/13
    BDINI !!!8211;15/3
    Beanielou !!!8211;15/15 Target Met 2nd Target Met 19/19 Target Exceeded 19/20
    Bigmumma !!!8211;17/17 Target Met target Exceeded 17/23
    BritAbroad !!!8211;15/15 Target Met Target Exceeded 20/19
    Bt1 -20/13
    ButterflyBee !!!8211;18/9
    Candlewick !!!8211;15/15 Target Met 2nd Target Met 18/18 3rd Target Met 20/20 Target Exceeded 20/21
    CatherineMM -14/
    Chris81418 !!!8211;19/9
    Clairey -16/9
    Compliment -8/8 Target Met
    Coolcats !!!8211;15/13
    Couldsave !!!8211;20/20 Target Met
    CuteAs -15/11
    Cw18 !!!8211;12/12 Target Met Target Exceeded 12/16
    Daizyboo -12/4
    Danielle !!!8211;15/
    Darwins -28/
    Debtbuster -9/6
    Debtfreesoon !!!8211;12/
    Delilahh !!!8211;11/11 Target Met
    Dizzy Lizzie !!!8211;8/3
    Donna d !!!8211;19/14
    Dragon !!!8211;10/10 Target Met 2nd Target Met 15/153rd Target Met 20/20Target Exceeded
    Emloves !!!8211;15/15 Target Met 2nd Target Met 18/18 3rd Target Met 21/21 Target Exceeded 21/23
    Evertheoptimist !!!8211;12/12 Target Met Target Exceeded 12/13
    FallenArcher -10/
    Fedup !!!8211;20/17
    Floella !!!8211;14/3
    Flowerofscotland -16/12
    Flubbery !!!8211;15/12
    Freeby !!!8211;20/20 Target Met 2nd Target Met 23/23 3rd Target Met 25/25 Target Exceeded 25/27
    Frugalgdubs -10/
    Gien !!!8211;14/
    Giggles86 !!!8211;10/7
    Greenanne !!!8211;10/3
    Headabove !!!8211;12/12 Target Met
    Heartbreak -12/2
    Helsbels !!!8211;15/3
    Hummingbird !!!8211;5/
    Ifwishes !!!8211;17/16
    Jaxsmar !!!8211;10/10 Target Met Target Exceeded 10/15
    Jelly biactol -14/14 Target Met 2nd Target Reached 18/18 Target Exceeded 18/19
    Jem1980 -12/
    Jonsey88 -15/15 Target Met 2nd Target Met 20/20 Target Exceeded 20/22
    Kalojac -10/
    Karb !!!8211;14/14 Target Met
    Karenccs -14/14 Target Met
    Katholicos !!!8211;18/18 Target Met Target Exceeded 18/20
    Kerri !!!8211;12/12 Target Met Target Exceeded 12/14
    Lioness !!!8211;14/4
    Lmac -12/
    Lottie1987 -10/3
    Lottie3000 !!!8211;10/6
    Loubelle !!!8211;16/10
    Lurvlyloz -14/9
    Marmite !!!8211;18/18 Target Met
    Milann !!!8211; 10/6
    MissE -10/10 Target Met
    ModestyB !!!8211;12/12 Target Met Target Exceeded 12/14
    Moneypenny !!!8211;13/
    Motoko !!!8211;15/7
    Muffinman -10/2
    MummyRivett -20/12
    Nargle !!!8211;15/12
    New leaf !!!8211;10/8
    Oodnood !!!8211;20/5
    Pennysaving -12/12 Target Met
    Poohbear -15/15 Target Met Target Exceeded 15/16
    Positivelypurple !!!8211;15/9
    Purplemum !!!8211;10/9
    Purplesarah !!!8211;15/3
    Redouble !!!8211;10/
    Rising -14/3
    Save_dog !!!8211;12/
    Sazdaz !!!8211;15/9
    Sazzie !!!8211;15/15 Target Met 2nd Target Met 17/17
    Scuff -20/6
    Skint_Catt -10/
    Slowlyfading !!!8211;16/16 Target Met
    Spoony !!!8211;20/20 Target Met 2nd Target Met 24/24
    Stacey2193 -13/
    StressedSteph !!!8211;24/
    Tiggy10 -15/5
    WelshWoofer !!!8211;10/2
    Wildcherry -15/15 Target Met Target Exceeded 15/16
    Wouldbe -5/
    Zafiro -20/
    Last edited by freebyfifty; 03-03-2013 at 7:31 AM.
    Free by Fifty

    Debt of the Moment -
    August NSD Challenge 14/15
    • freebyfifty
    • By freebyfifty 26th Jan 13, 8:07 AM
    • 3,189 Posts
    • 23,749 Thanks
    • #3
    • 26th Jan 13, 8:07 AM
    The Challengers continued
    • #3
    • 26th Jan 13, 8:07 AM
    Reserved for Challengers and prizes
    Free by Fifty

    Debt of the Moment -
    August NSD Challenge 14/15
    • freebyfifty
    • By freebyfifty 26th Jan 13, 8:07 AM
    • 3,189 Posts
    • 23,749 Thanks
    • #4
    • 26th Jan 13, 8:07 AM
    • #4
    • 26th Jan 13, 8:07 AM
    This is for anyone who wants to set themselves a target for a number of NSDs in a row. We had some impressive numbers on this over the past few months so if anyone would like to have a go at this, I'll add you here

    The In-a-Row-Challengers

    Baileys - 3-in-a-Row
    ButterflyBee - 5-in-a-Row
    Candlewick - 3-in-a-Row Target Reached 4-in-a-row 5-in-a-row 6-in-a-row
    CatherineMM - 4-in-a-Row
    Chris81418 - 6-in-a-Row
    Compliment - 3-in-a-Row
    Debtfreesoon - 4-in-a-Row
    Dragon - 6-in-a-Row Target Reached
    Floella - 5-in-a-Row
    Freeby - 5-in-a-Row Target Reached 6-in-a-row 7-in-a-row 8-in-a-row 9-in-a-row
    Jaxsmar - 3-in-a-Row Target Reached
    Jelly Biactol - 5-in-a-Row Target Reached 6-in-a-row
    Jonesy88 - 5-in-a-Row Target Reached 6-in-a-row 7-in-a-row
    Marmite- 4-in-a-Row Target Reached 5-in-a-Row 6-in-a-row 7-in-a-row
    ModestyB - 5-in-a-row
    Muffinman - 5-in-a-Row
    MummyRivett - 5-in-a-Row Target Reached
    New Leaf - 3-in-a-Row Target Reached
    Oodnood - 10-in-a-Row
    Poohbear - 4-in-a-Row
    Purplesarah - 5-in-a-Row
    Sazzie - 3-in-a-Row Target Reached
    Scuff - 5-in-a-Row
    Spoony - 5-in-a-Row Target Reached 6-in-a-row
    Stacey2193 - 4-in-a-Row
    StressedSteph - 10-in-a-row
    Tiggy -4-in-a-Row
    Last edited by freebyfifty; 20-02-2013 at 7:02 PM.
    Free by Fifty

    Debt of the Moment -
    August NSD Challenge 14/15
    • freebyfifty
    • By freebyfifty 26th Jan 13, 8:08 AM
    • 3,189 Posts
    • 23,749 Thanks
    • #5
    • 26th Jan 13, 8:08 AM
    • #5
    • 26th Jan 13, 8:08 AM
    Hi lovely NSD gang
    As you can see there is lots of activity on this challenge at the moment and it's difficult sometimes to see how many NSDs you're all declaring on posts.
    Could I ask you to highlight your number of NSDs in a colour and in bold so that I can see them easily when I whizz through the posts - red would be best but I don't really mind as long as I can see the numbers easily.

    Some helpful suggestions and ideas to follow below from our sponsor and godmother, BigMummaF


    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 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
    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!
    Free by Fifty

    Debt of the Moment -
    August NSD Challenge 14/15
  • Helsbels8080
    • #6
    • 26th Jan 13, 9:10 AM
    • #6
    • 26th Jan 13, 9:10 AM
    Woo Hoo, here we go again!

    Done a quick calculation and I think I am going to try for 15 NSD this month. I count any spend as a spend so on a short month this should be a challenge, but that works for me

    Good luck everyone.
    Sealed Pot Challenge 6 - Member 1938
    NSD Jan 16/16: Feb 3/15
    GC Jan £400/£400.14: Feb 0/£400
    • donna dynamo
    • By donna dynamo 26th Jan 13, 9:57 AM
    • 892 Posts
    • 6,535 Thanks
    donna dynamo
    • #7
    • 26th Jan 13, 9:57 AM
    • #7
    • 26th Jan 13, 9:57 AM
    Hi Would love to join again this month i am going to try for a mammoth 19 NSD's to match my total so far for jan.
    #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.
    • Jelly Biactol
    • By Jelly Biactol 26th Jan 13, 10:09 AM
    • 3,635 Posts
    • 47,558 Thanks
    Jelly Biactol
    • #8
    • 26th Jan 13, 10:09 AM
    • #8
    • 26th Jan 13, 10:09 AM
    Would love to take part again in Feb
    I'm including all outgoings including DDs as a 'spend'.
    My target is 14 NSDs


    5 in a row

    'It is better to remain silent and be thought a fool, than to open your mouth and remove all doubt.'
    Groucho Marx

    • coolcats
    • By coolcats 26th Jan 13, 10:15 AM
    • 263 Posts
    • 877 Thanks
    • #9
    • 26th Jan 13, 10:15 AM
    • #9
    • 26th Jan 13, 10:15 AM
    I'm in for the month, going for 15 NSD this time. Not so sure what this month will bring as we have hospital appointments coming up. Easy to increase target not so easy to go down.
  • emslovesmickey
    I'm putting myself down for 15 again
    • IF
    • By IF 26th Jan 13, 11:17 AM
    • 34,137 Posts
    • 87,523 Thanks
    A Big Thank you to Freeby for doing February's NSD thread xx

    Thanks to all who do the updates too, you are all stars

    Could you put me down for 17 NSD's please

    Thank you
    "If wishes were horses, then beggars would ride"
    • MummyRivett
    • By MummyRivett 26th Jan 13, 11:29 AM
    • 343 Posts
    • 3,660 Thanks
    So happy to be back this is may favourite thread!!! Can I do 20 NSD again please plus a 5 in a Row challenge.

    Thank you
  • dizzy lizzie
    Could you please put me down for 8 NSD

    I've increased it from last month by 3.

    Thank you
    Official DFW Nerd Club Member no:219
    In the Court Of The Crimson King
    I don't believe in the concept of hell, but if I did I would think of it as filled with people who were cruel to animals.
    Gary Larson
    • ModestyB
    • By ModestyB 26th Jan 13, 12:36 PM
    • 1,572 Posts
    • 15,283 Thanks
    Thanks Freeby and all our lovely updaters, you're all

    Can you put me down for 12 NSDs & 5 in a row please.

    We've all done so well in January, let's see if we can beat the total this month.

    Good luck everyone.
    S.P.C. 9 2016 No. 062 Banked £337.50
    My Gold Stars off Sue.
  • Candlewick
    Thanks Freeby

    15 NSDs for me again and 3 in-a-row this time.

    Thank you.

    NSD Challenge 2015: Jan 20 / 20 (2 x 5 in-a-row) / Feb 5 / 12 (4 in-a-row)

    Lesson learnt from 2012: I cannot be trusted to credit card stooze!

    Barclaycard at 2 / 02 / 2015 £4,600 £4540 £4250 £4000 £3250 need to pay it off by 08 / 2015 before mortgage completion
    • ButterflyBee
    • By ButterflyBee 26th Jan 13, 12:55 PM
    • 298 Posts
    • 1,778 Thanks
    Hello Freeby and thanks for the invitation!

    I did not sign up last month as I had no idea if I would even be able to have 1 NSD after the disastrous 2012 I had, so I trialed it on a spreadsheet and low and behold it IS possible.

    This month I will remain focussed and plan well ahead.

    Can you put me down for 18 NSDs & 5 in a row.

    I am looking forward to starting this challenge on 1Feb2013.
    Return and Restart August 2016
    22 Months to be debt free Aug2016 £12971.00 By Jun2018
    PAYDBX2016 #155 = £2268.93/£3414.93 00% paid
    UK Debt #00 = £9857.23/£13039 6% paid
    EmSavFund #204 = £85.00/£1000 6% paid
    Mortgage #00 = £183084/£183093 00% paid
    • wildcherry
    • By wildcherry 26th Jan 13, 1:02 PM
    • 142 Posts
    • 1,163 Thanks
    I started at the back end of January and so definitely want to start this one for the whole of the month. I want to start my target at NSD's 15 please with an 'in a row' target of 4.
    Fingers crossed I can do it!
    • StressedSteph
    • By StressedSteph 26th Jan 13, 1:59 PM
    • 2,807 Posts
    • 10,875 Thanks
    Hi Fifty,

    Well I am set to succeed with 25 NSD's in January, so think I am going to be totally mad and go for 24 NSD's.

    10 in a row

    This will allow for 1 mess up per week.
    I don't included budgeted bills, items etc. My NSD are all for avoided misc spending, impulse buys and anything that will adversly effect my spreadsheet .

    Roll on February xx
    OOverdraft £594 / Very £587 / Bank of Scot - £1535 /
    Lloyds cc - £2679 / Barclay cc £2994 / MBNA £5596
    September 2017 = £13985
    • Jonesy88
    • By Jonesy88 26th Jan 13, 2:04 PM
    • 942 Posts
    • 3,684 Thanks
    ooo can i join?
    Hello everyone!

    Please can i join? i am determined to pay off our cc asap.
    Put me down for 15 NSDs, and an ambitious 5 in a row!

    DF by Xmas 2018: #83 £1,500/£15,000 10%
    SPC 7: #135 | VSP 2018: #23 £1.60 | MFW 7.78% | NSDs 0/15
    • beanielou
    • By beanielou 26th Jan 13, 2:11 PM
    • 52,709 Posts
    • 207,120 Thanks
    Happy shiney new thread.
    Thank you freeby & all the updaters & if for the pictures
    Going to go for 15 this month.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
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