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The Remember Remember NSD November Challenge

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  • Giggles86
    Giggles86 Posts: 526 Forumite
    Congratulations EverTheOptimist :) what exciting news :)

    Happy November everyone. I'm not going to get off to a very good start as I'm meeting friends in Manchester today for lunch. Not seen them since March so I'm quite excited :) have a lovely day all.
    *2014 £365/365days - £52/£365* *20p Savers club #17 £12.00/£50*
    March 2014 NSD 0/15 take lunch to work march 0/21
    sealed Pot Challenge #260
    NMB books: 6/94+ NMB DVDs: 13/67
    "Life is not measured by the number of breaths you take but the moments that take your breath away."
  • WantToBeSE
    WantToBeSE Posts: 7,729 Forumite
    I've been Money Tipped! Debt-free and Proud!
    Congrats ETO- thats fabulous news :)
    £10k of Debt

    Debt Free Diary https://forums.moneysavingexpert.com/showthread.php?t=6026621
  • HeadAboveWater
    HeadAboveWater Posts: 3,941 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    First thing is first: Congratulations EverTheOptimist :D

    I may or may not get November off to a good start. Got paid yesterday and haven't decided if I'm treating myself to a coffee or lunch yet... ;):o

    Excluding the new 'rule' I've set below, October NSDs were mostly Monday or Wednesdays, so in theory I've no excuse for not planning better for this month!! :)

    Ok. So! For November...

    I must stick to my weekly budget. I lift my money on a Friday and it has to last me all week. All shopping/treats/fuel etc has to come out of that money.

    I only have 4 monthly payments: 2x dd (mobile phone and internet), rent, and my First Direct regular saver. These won't count as they're already budgeted for in the month and they're direct out of my account.

    What my new rule is for November, is that a NSD counts when nothing is spent between 8am-5.30pm Monday to Friday, and all day Saturday or Sunday. Reason being, OH will often text or call when I'm on my way home from work and ask for veggies or milk or something. That's technically an emergency spend. If we go out to do our 'big' shop either after work or later in the evening (clear a path to the reduced section please!! ;)), it's already in my budget.

    If I set the 8-5.30pm rule, then...

    I cannot stop for coffee/treat on way in to work
    no scones/treats during work
    no lunches out or lunchtime 'stuff' shopping
    no online shopping during work *cough* :o

    Good luck everyone!! :D
    Wealth is what you're left with when all your money runs out
  • thriftylass
    thriftylass Posts: 4,033 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Well, November should be going off to a good start.

    ETO - congratulations :T

    Today should be a NSD as I'm going out for a free lunch and don't need anything. As I stopped smoking completely yesterday (only had a few the days before), fags are not needed either :j
    DEBT 02/25: total £6100 Debt free date 12/25
  • icontinuetodream
    icontinuetodream Posts: 992 Forumite
    I've been Money Tipped!
    Nargleblast wrote: »
    AAAAARRRRGGGHHHHHH! Someone said the F word! And we're not even in November yet!

    Pass the mouldy kipper and the soggy paintbrush please, Bdini!
    Someone is going to find out just how we punish naughty people on this thread!

    (Notice to newbies - the F word is verboten. We do not "fail" on here. Every NSD is a gem and worth celebrating.)

    sorry, sorry, sorry!!!! :D I was unaware of my misdeed, feel utterly ashamed and will never speak of such things again!! ;) (please not a mouldy kipper though...I am vegan and it would go against my principles! :D)
    Mortgage 12.12.12 £55842 12.12.13 £42716 14.12.14 £28837 13.12.15 £25913
    Mortgage OP £50/£600 House Fund £420/£5000
  • MuffinTops
    MuffinTops Posts: 2,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Fantastic news ETO. Huge Congratulations!

    I'm looking set for NSD 1 today, but will report definite figure this evening as I still have so much of the day left. I'll withdraw my monthly budget on my way home and then it's likely to be temptations bounding into me every which way! I will resist!!!!
  • Avogirly
    Avogirly Posts: 751 Forumite
    Part of the Furniture
    Hello, can I please join this challenge! Pretty please! I would like to do 20 NSD's please.....thank you! :j
    October make £10/day currently £11.02
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Claiming 1 NSD for today as I am _pale_ so will not be going out
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • TheLincsEffect
    TheLincsEffect Posts: 40 Forumite
    Hello! Can I join in please? I would like to try for 10 please. Great idea this :)
    Hi, my name's Katy and I'm a (former) spendaholic! :wave:
    NSD - November Challenge - 7/10
    5/11/12 - 7 Weeks to Christmas Weight Loss Challenge! 2/14
  • Fae
    Fae Posts: 664 Forumite
    Great news ETO,

    And NSD 1 for me today

    Fae
    LBM 29/10/2013 £14,218.00 As of 13/04/2014 £6477.00
    Paid 54%
    3 months to go 13 weeks
    DFD 28th August 2014
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