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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...)

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    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 2
  • WelshWoofer
    Hello all!
    I'm still battling my way to January's NSD total - might just sneak it if I try really hard.

    I'll have another go at February with 10 NSDs please.
    January grocery spending - £82.73/ £120
    • IF
    • By IF 26th Jan 13, 3:39 PM
    • 34,137 Posts
    • 87,523 Thanks
    ~ Welcome to February's NSD Challenge ~

    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.
    Originally posted by freebyfifty

    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!
    "If wishes were horses, then beggars would ride"
    • Nargleblast
    • By Nargleblast 26th Jan 13, 3:55 PM
    • 9,047 Posts
    • 57,061 Thanks
    Whoopiedoop, a brand new thread for February!

    I am going to be a very ambitious Nargle and aim for (shock horror gasp!) 15 NSDs !!!!

    Come on and feel the luuurrrrvvvve....
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash
    • complimentschemistry
    • By complimentschemistry 26th Jan 13, 5:17 PM
    • 282 Posts
    • 1,009 Thanks
    Hi everyone

    It's been ages since I've done a NSD challenge so put me down for

    8 NSDs in February

    And I'll try and do at least 3 in a row

    Was going to go for 5 but thought I'd push myself a bit more!

    Good luck everyone
    October Grocery Challenge - £67.18/£135
    Save up £500 - £0/£500
    NSDs for October - 0/10
    • couldsavemore
    • By couldsavemore 26th Jan 13, 6:20 PM
    • 259 Posts
    • 2,467 Thanks
    can you put me down for20 i do have my DD birthday and quite a few in March so i do need to go shopping for presents along with the usual.
    You can if you think you can .
    • PennySaving
    • By PennySaving 26th Jan 13, 8:03 PM
    • 190 Posts
    • 1,256 Thanks
    Hi Everyone!
    I would like to try for 12 NSDs in February. I am almost at my target for January so feeling a little bit confident about February. This thread has really helped me to focus on my spending & the results are already helping towards the dreaded credit card.
    Thank you for Freeby & everyone else who updates us all
    • HeadAboveWater
    • By HeadAboveWater 27th Jan 13, 12:15 AM
    • 3,892 Posts
    • 9,344 Thanks
    Hmmmmmm let's go for..... 12 NSDs!!

    Think I'll make it by the skin of my teeth for Jan so why not?!

    Good luck everyone!!!!
    Wealth is what you're left with when all your money runs out
    • freebyfifty
    • By freebyfifty 27th Jan 13, 7:33 AM
    • 3,189 Posts
    • 23,749 Thanks
    Welcome to everyone
    Hello to all the newbies who have signed up, you are going to love it here and will soon be addicted to NSDing

    The front page is up to date so far, but they'll be loads of additions today, I'm sure; including me - I forgot to put my target on
    Free by Fifty

    Debt of the Moment -
    August NSD Challenge 14/15
    • rising from the ashes
    • By rising from the ashes 27th Jan 13, 9:06 AM
    • 12,322 Posts
    • 59,551 Thanks
    rising from the ashes
    Oh my ... February already anyone else get the feeling this years' going to fly by too!

    Thanks as always to Freeby, the lovely updaters and IF for the wonderful picsYou are all

    So ..... I've really struggled in January - despite doing the challenge for a long time now! (Think some of that has been down to finally being able to get out & about again after 3+ months cooped up in the house)

    So .... let's try for 14 NSD

    Best of luck everyone!
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
    • bt1
    • By bt1 27th Jan 13, 9:28 AM
    • 442 Posts
    • 2,511 Thanks

    I'm back in the wagon after a few months off!

    Going to try for 20 in February!

    Thanks x

    • Skint_Catt
    • By Skint_Catt 27th Jan 13, 11:39 AM
    • 11,431 Posts
    • 23,689 Thanks
    Hi all, please can I join this month?

    I'll start with 10 NSD's for now, though seeing as I've got no money that should be entirey doable!!!

    I only count personal spending if that's ok, as that's the bit I need to rein in - grocery comes from hubby into a separate account although sometimes I do buy a top-up shop from my own funds & most other bills are either budgeted for/spent by hubby.

    Hope that's ok?

    C xx
  • Debtbusterintraining
    Sign me up again pretty please 9 NSDs for this month. Having only just met my January target with 5 days to spare I'm only increasing my target by 1. Thanks freeby for all your hard work,loving your animations.
    LBM Jan 2012 £32355 now £23984.01
    GC Feb£289.64/300 Mar £284.92/300Apr £215.53/300
    £2 Savers £124/100
    NSDs Jan 9/8 Feb 6/9mar 8/9 Apr 5/9
    • hummingbird
    • By hummingbird 27th Jan 13, 1:22 PM
    • 1,485 Posts
    • 7,400 Thanks
    I will try for 5 NSDs in February please! (I sort of lost January, can't believe it's almost over!!) Hummingbird x
    £10 a day extra in Apr'18[B[B]]£70/300[
    You can find my diary here:
    • Nargleblast
    • By Nargleblast 27th Jan 13, 2:34 PM
    • 9,047 Posts
    • 57,061 Thanks
    Skint_Catt - welcome to the asylum! Freeby will add you to the front page later. You set your own rules here, so what you suggest is fine. I personally count all spends including household bill DDs, but that's because I like to give myself a tough challenge. Lots of people focus on avoiding the ad hoc incidental spends so they don't count any household bills as these are budgeted unavoidable spends, and some might put a limit on the household grocery apend for each week, so providing they keep within that figure they can claim a No Spend Day. Anyway, however you choose to do it, remember we don't use the F word on here. (F as in f a i l....ssshh! ) as it is definitely counted as a swear word. And any of that kind of swearing leads to dire punsihments...I will leave it to other gang members to let you in on what they the meantime, have fun!
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash
    • karenccs67
    • By karenccs67 27th Jan 13, 3:50 PM
    • 1,022 Posts
    • 5,493 Thanks
    Nsd challenge
    I would like to join this challenge and for February I would like to be quite bold (for us) and say

    14 NSD

    On payday we total up the months compulsory outgoings and whatever is left over we transfer to another account and use that to pay for food, petrol etc, it is from this account that I intend to manage the NSD challenge.
    ***Dont save what is left after spending, spend what is left after saving***
    • ButterflyBee
    • By ButterflyBee 27th Jan 13, 4:29 PM
    • 298 Posts
    • 1,778 Thanks
    Hello Karenccs67, that too is what I plan to do this month.

    Good luck to all the NSD challengers, I wish Feb has already started for me! only a few days left!
    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
    • kalojac
    • By kalojac 27th Jan 13, 7:41 PM
    • 422 Posts
    • 5,363 Thanks
    Hi, can I join please, I'd like to aim for 10
    • flubberyzing
    • By flubberyzing 27th Jan 13, 7:54 PM
    • 951 Posts
    • 6,597 Thanks
    My usual 15 please lovelies!
    Because it's fun to have money!
    • Tiggy10
    • By Tiggy10 27th Jan 13, 9:12 PM
    • 442 Posts
    • 1,671 Thanks
    Hi all! I need to give this a go this month.
    thinking 15
    with 5 in a row

    setting my sights to the sky!
    Paying it all off in 2017:
    Finance 1- 115 Paid Jan 2017
    Finance 2- 335
    CC - 20001800
    OD 1 - 2200 1850
    OD 2 - 2500
  • daizyboo
    12 NSDsfor me please x
    No buying toiletries in 2013
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