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Difficult Decison for December; the NSD thread.
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Would you please put me down for 6 NSDs? First time trying, and I think I could do that many. Thank you!NWCC £[STRIKE]2800[/STRIKE] £2600 Marbles £498.18 Egg £1,022.28 o/d1800 1400
Cap1 £250
student grant [STRIKE]£2000[/STRIKE]£1900 C.tax [STRIKE]£2312.91[/STRIKE] £301.64 live frugally,think sensibly, stop impulse buying,look at the bigger picture,relax,remember to budget,say no to the bairns. NSDs 6/10 GC £300/£200
FL £0/£2000 -
Hi, can I join too please?
I have got most of my christmas presents so am going to attempt 12 NSDs from 27th november to 1st january please. Spent yesterday and today so hopeful that tomorrow will be number 1!!!July grocery- 24.40/220. NSD-1/3.
Myself, DD, 2 cats, 35 weeks pregnant.
Debts- CC's- V-775, F-1253.10, BC-3291.80, T-1429.08. Total-6748.98. All 0%. Aim- to pay £200 per month.0 -
I'm back again. Aiming for 15 this month. Not sure I'll make it as I haven't done a December before!!2019 fashion on a ration 0/66 coupons0
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I am going to aim high and go for a scary 20 days!!!! :eek:
I only have 2 Christmas presents to buy, as I already have everything else bought or made!
Wish me luck!
Debt Free as of 17/01/2009 Turtle Power!!
EF Challenger #3 £1543.72 / £5000
MFW 2024 #100 £1300.00 / £10,000
MFiT #40 Jan 2025 Target - £99,999.00
Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.980 -
x_raphael_xx wrote: »I am going to aim high and go for a scary 20 days!!!! :eek:
I only have 2 Christmas presents to buy, as I already have everything else bought or made!
Wish me luck!
GOOD LUCK :j***Dont save what is left after spending, spend what is left after saving***0 -
Going for 15 again please x, works do paid for by the board and don't drink. Will end this year on a positive note....determined to
DFD Need to August 2027
NSD March 15/20
NSD April 17/15
NSD May 13/15
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Can I join please??? I have spent enough in the last week and today to last me a lifetime!! so I really must rein in. I have looked through my diary and estimate 11 no spend days. i hope to do more. some days (sat and sun) I cant mark as a no spend day because I will be buying a paper so although its a spend, it will be a small one.
I have also allowed for days where there *might* be a spend so for these days, I hope to convert them into no spend days.
What a great thread and I look forward to meeting the challenge.
Good luck everyone
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Hey BigMummaF,
thanks for 'Dealing with December' :A & I'm going to aim for the usual 12 please.0 -
Hi BigMummaF, could you please move me from 15NSDs to 20 please? thank you
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Can I join please??? I have spent enough in the last week and today to last me a lifetime!! so I really must rein in. I have looked through my diary and estimate 11 no spend days. i hope to do more. some days (sat and sun) I cant mark as a no spend day because I will be buying a paper so although its a spend, it will be a small one.
I have also allowed for days where there *might* be a spend so for these days, I hope to convert them into no spend days.
What a great thread and I look forward to meeting the challenge.
Good luck everyone
WOW! I truly didn't expect so many folk to be keen on doing the challenge this month but WelcomeWelcomeWell-Come
Looking at your Post Eric, reminded me of how things were when I first began the various Challenges I now follow on bits of the Boards. This one is exceptionally good for focusing the mind on whether you have no other option than to buy something today & as such, I've begun to see that I probably didn't 'need' to buy something at all :T For instance, I fancied making a semolina pudding the other day but was scarily short of milk as it was when :idea:..I remembered the /SIZE]not-quite-still-in-date :shhh:[SIZE=2 carton of long life in the cupboard, thereby saving petrol to get to the shops+price of milk & all the other bits one tends to "pick up while I'm here" but more importantly, ended the day with my NSD intact
Anyhooz, the point of my waffle is..if you know you're spending on Xday for something you can only get on Xday--like your paper cuz you can hardly get it the day before can you!--are there things you buy on other days that would perhaps wait till Xday & you get them then & combine two spends into one? Again a lot of my spending was based on HABIT; I was renowned for Thursdays being my grocery day & Tuesdays wandering charity shops, but now I try to do as much in one 'outing' as is within my capabilities & my whole spending pattern of too many years has gone. If I have to buy something today I try to buy what may be needed for tomorrow & beyond which also helps you realise how & where the money goes. If I spend £60 in one day I think :shocked: but I could easily spend twenty+ quid a day over three days & think I'd got off lightly :sad:
I hope my amateur psychology hasn't sent you to sleep but--as I said--being on this challenge has helped me identify a lot about how I mis/use my cash.
Full time Carer for Mum; harassed mother of three;loving & loved by two 4-legged babies.
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