We Are Decking the Halls with NSDs December Challenge
Options
Comments
-
flubberyzing wrote: »Emslovesmickey - I did that a couple of years ago, thinking it would be cheaper to buy lots of little gifts for a hamper, rather than 1 or 2 bigger ones. Turned out to be not true!! Family loved the hampers, but it was my most expensive Christmas in a long time! Be really strict with yourself over number of items in the hamper, as well as a spending limit for each.
Anyway, going to declare NSD1 as done!
Thanks for the tip I've just decided to go into it with my younger brother, in order to spread the cost a bit. Some of the stuff is going to be jokey - like a menu of things my nan used to say she was cooking for my mum, and a trading card of Frencham pond (always joked with mum about how it's a lake, not a pond)0 -
NSD 1 for me today please.BC: £2000/£3800 S Loan 1: £4973.37/£7000 S Loan 2: £6884.13/£9000 Next:[STRIKE] £0/£280 [/STRIKE]OD: [STRIKE]£0/£500[/STRIKE]
Student OD: [STRIKE]£0/£2000[/STRIKE] Partner OD:[STRIKE]£0/£600[/STRIKE]Joint OD:[STRIKE]£0/£950[/STRIKE] Car: £9424/£9901 Mort: £77000/£79000
Total Debt exc mort£23281.15/£34,031 31% paid off
POAMAYC2013 £694.99/£10000 target £14112.50
NSDS NOV10/10 DEC 10/10 JAN9/10 no.of debts [STRIKE]9[/STRIKE] 40 -
I am gutted that today has not been a NSD. I only had to buy bread and milk but I am really enjoying not spending money.
I does take a bit of forward planning though, which has been my downfall in the past.
I am a terrible impulse buyer and once I am inside a shop I am at their mercy. I have watched the shows that explain the psychology behind supermarket sales tactics, I am even aware that it is happening, but I still feel compelled to buy too much stuff.:rotfl:
So my plan so far has been to avoid the temptation altogether.
I have also restricted my looking on websites stores.
Not opened any of my e-mails that offer limited time offers either.
I will stay strong. Hoping for a NSD tomorrow🎄PAYDBXMAS21 #11 £11,300/£11300
Target met.
💥PAYDBXMAS22 #11 £5000/£5000 target met.
PAYDBXMAS23 #26 £5000/£5000 paid0 -
NSD no 3 today,cold cold here today.
Snow snow go away.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Rising so glad you had a good time at DM's & lots of lovely Maisie cuddles!!
Not one for me today, really want to just stay on the sofa with a blanket, but am going to drag myself out for an hour to see my old men, so will be a little spend :beer:February NSD challenge 5/150 -
Hi Everyone!!!
NSD number 2 in the bag!
Will hopefully tie down Tue & Wed too this week...
DFD = August 2027 @ £250/month
Follow your heart & be true to yourself always
My life is full of abundance and prosperity
NST Feb: Food & Spends = £216.51 / £290.00 NSD = 1 /15
Be kind - Eat well - Exercise - Be mindful0 -
NSD 2 today - very pleased!final unsecured debt to repay currently £8333Proud to be Dealing With my DebtDFW Nerd 1154 Long Haul 1550
-
NSD #3 today woop though maybe its cheating due to illness ha got a lovely bottle of apple sours from OH mum might have to have some soonish with lemonade yum!
XxWeight loss 0/37lb Vanquis £1476 Capital One £380
Nov 2012 NSD 15/15 Dec 2012 NSD 14/15 5 in a row SPC #1874 Overdraft £8000 -
Hiya, NSD 3 for me, but tomorrow I go Xmas shopping and doing some food shopping as well, but after that back to the nsd's I hope - doing better than I thought I could, but its early days.:)2024 is going to be a positive year for me, and it's starting now!!
Buys: All budgeted and paid by cash!
Jan - fridge/freezer
Hoover
Feb - milk frother, curtain pole x2, roller blind - bathroom, toilet seat, bath sink taps, kitchen sink waste unit and an extra double electric socket.
March - raised bed for garden, bathroom cabinet, roller blind - kitchen0 -
I have started, had my first NSD 1 and I'm homing tomorrow will be the second.0
This discussion has been closed.
Categories
- All Categories
- 343.3K Banking & Borrowing
- 250.1K Reduce Debt & Boost Income
- 449.7K Spending & Discounts
- 235.3K Work, Benefits & Business
- 608.1K Mortgages, Homes & Bills
- 173.1K Life & Family
- 248K Travel & Transport
- 1.5M Hobbies & Leisure
- 15.9K Discuss & Feedback
- 15.1K Coronavirus Support Boards