Main site > MoneySavingExpert.com Forums > Essential Money > Debt-Free Wannabe > We Are Decking the Halls with NSDs December Chall... (Page 3)

IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
We Are Decking the Halls with NSDs December Challenge
Reply
Views: 26,410
Thread Tools Search this Thread Display Modes
# 41
NinjaSavingKat
Old 28-11-2012, 8:02 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Sep 2012
Posts: 3,035
Default

Hey there.. will hit my 25NSD's for NOvember tomorrow so please sign me up for 20 NSD's in conjunction with the DDD challenge. BRING IT ON!

P.S - I have told the chickadees who are signing up to come this way and pledge their NSD's...you might have an influx!!
Travel Savings Fund ; £5500 CASH (£2400 SPENT) / £12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.
NinjaSavingKat is offline
Reply With Quote Report Post
The Following 10 Users Say Thank You to NinjaSavingKat For This Useful Post: Show me >>
# 42
poohbear59
Old 28-11-2012, 9:22 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jan 2007
Location: On a high hill.
Posts: 4,174
Default

As I didn't keep track last month I am going to aim for 15 NSDs this month and will try to check in with you all every day. I need to be kept on the straight and narrow.
DFW 429
Long haulers DFW 255 Debt free day Feb 20192021 Aug 11start! barclays business mortgage £22741 Barclay's business kitchen loan £9760 CCs £1400 =Total of £33901 50% paid off was £68105 at highest
House Mortgage £95,770
poohbear59 is offline
Reply With Quote Report Post
The Following 9 Users Say Thank You to poohbear59 For This Useful Post: Show me >>
# 43
ifwisheswerehorses...
Old 28-11-2012, 11:21 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jan 2010
Location: Here and there..............mainly there :o)
Posts: 32,162
Default



Quote:
Originally Posted by freebyfifty View Post
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


NO SPEND CHALLENGE.


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"
BSC Member 310
ifwisheswerehorses... is offline
Reply With Quote Report Post
The Following 6 Users Say Thank You to ifwisheswerehorses... For This Useful Post: Show me >>
# 44
focus888
Old 28-11-2012, 11:53 AM
Serious MoneySaving Fan
 
Join Date: Mar 2009
Location: In the south
Posts: 1,727
Default

Hi All,

somehow managed to get 4 NSD without expecting to in November, so going to now try and double that and more to 10 NSD for December. Think that will be hard for me but still going to attempt it!
NSD = 76
SB 22/04 - £55
focus888 is offline
Reply With Quote Report Post
The Following 8 Users Say Thank You to focus888 For This Useful Post: Show me >>
# 45
Mancman86
Old 28-11-2012, 2:08 PM
MoneySaving Convert
 
Join Date: Jun 2010
Posts: 103
Default 20 nsd

Hi in conjunction with the DDD challenge i would like to pledge 20 NSD in December.
Debt Free by August 2013 fingers crossed.Total Debt £3000 C/C.£84.35/£3000 - 03.01.2013.
£124.25/£3k -23/01/13 -
Total left to clear:- £2875.75
£500 tin saver £26/£500 28/11/2012
Mancman86 is offline
Reply With Quote Report Post
The Following 8 Users Say Thank You to Mancman86 For This Useful Post: Show me >>
# 46
young_un
Old 28-11-2012, 3:17 PM
MoneySaving Convert
 
Join Date: Aug 2012
Location: A little backward town in the east riding of yorkshire
Posts: 83
Default

Afternoon
Can I put myself down for 15 NSD with 4-in-a-row
Thankies
Xx
Weight 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 £800
young_un is offline
Reply With Quote Report Post
The Following 8 Users Say Thank You to young_un For This Useful Post: Show me >>
# 47
VickyV
Old 28-11-2012, 5:41 PM
MoneySaving Convert
 
Join Date: Dec 2011
Posts: 81
Post Newbie...

Hi,

This is my first time on this challenge so, although it may be a bit ambitious for a first timer especially at this time of year, but I'd like to go for 12 NSDs this month and 3 in a row!
June GC £298.32/£300 done!
July GC £275.75 / £300 done! NSD 15/15
August GC £0 / £190 NSD 0/15

Saving for Florida 2016 £839.40 / £8,000
VickyV is offline
Reply With Quote Report Post
The Following 8 Users Say Thank You to VickyV For This Useful Post: Show me >>
# 48
abundant1972
Old 28-11-2012, 6:19 PM
Serious MoneySaving Fan
 
Join Date: Jan 2012
Posts: 798
Default

Hi Everyone!!!

Am also signing up to Kat's DDD and so am pledging for December:

20 NSD + 7 in a row

Good luck everyone!!!
Debt Free by October 31st 2014 : Remaining Debt = £2263.50/£12,500 (82% Cleared)
1 Debt vs 100 Days : £0/£2250.00 by 09th October

*** As my debt diminishes - the door to financial freedom opens that bit more ***
Back to Basics # 10 : SFD =14/15 : Food/Spends =£86.28/£90 : Gym =5/12 Sessions
Payment a Day : £50.00 so far
abundant1972 is offline
Reply With Quote Report Post
The Following 7 Users Say Thank You to abundant1972 For This Useful Post: Show me >>
# 49
kerri gt
Old 28-11-2012, 7:17 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jul 2007
Posts: 4,838
Default

Right, after taking Nov off, I had better hop back on that NSD wagon me thinks

I'm going to go for 12 NSD in Dec - I'm not 100% sure how obtainable 14 would be (although this is a challenge ) and I don't want to target 13

Updated Dec rules for what isn't included:
  • Bill payments (already budgeted for)
  • Boot Camp
  • Milk (essential)
  • Petrol (can't put milk in the car)
  • Xmas gifts (for others not myself ) as I use vouchers / discounts etc where possible
July 2014 NSD Challenge 12/12
MAY NSD 7/11 APR NSD 14/16
MAR NSD 17/17 FEB NSD 18/15 JAN NSD 16/12
kerri gt is offline
Reply With Quote Report Post
The Following 7 Users Say Thank You to kerri gt For This Useful Post: Show me >>
# 50
marmiterulesok
Old 28-11-2012, 7:55 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Feb 2010
Location: In my own little world
Posts: 3,347
Default

Quote:
Originally Posted by rising from the ashes View Post
As always, thanks to all the wonderful updates of the thread - Freeby, BDINI, Spoon, Marmite .... (lordy, who've I forgotten) - you are all and we couldn't do it without you.
Thank you!

I can't believe it's December already...

Can I have 20 please as my target?Thanks.

Thanks freeby for all your hard work.Great prizes this month!
Budgeting has changed my life for the better.

NSD 2014 Jan 19/19 Feb 20/20 Mar 19/19 April 18/19 May19/19 June19/19 July 18/19
NSD total so far(2014)= 132

NSD 2013=219 NSD 2012 = 226
marmiterulesok is offline
Reply With Quote Report Post
The Following 6 Users Say Thank You to marmiterulesok For This Useful Post: Show me >>
# 51
rachyroo1985
Old 28-11-2012, 8:14 PM
MoneySaving Convert
 
Join Date: Oct 2012
Location: Derbyshire
Posts: 112
Default

Can I sign up for 10 again please?
BC: £2000/£3800 S Loan 1: £4973.37/£7000 S Loan 2: £6884.13/£9000 Next: £0/£280 OD: £0/£500
Student OD: £0/£2000 Partner OD:£0/£600Joint OD:£0/£950 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 9 4
rachyroo1985 is offline
Reply With Quote Report Post
The Following 7 Users Say Thank You to rachyroo1985 For This Useful Post: Show me >>
# 52
butdoineedit?
Old 28-11-2012, 9:02 PM
Serious MoneySaving Fan
 
Join Date: Jan 2010
Posts: 1,180
Default

Thanks for the fab new thread Freeby, i love the prizes!!

I'll start with my usual target of 15 please.
February NSD challenge 5/15
butdoineedit? is offline
Reply With Quote Report Post
The Following 6 Users Say Thank You to butdoineedit? For This Useful Post: Show me >>
# 53
rising from the ashes
Old 28-11-2012, 9:50 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Oct 2010
Location: In my wee bit of Bonnie Scotland
Posts: 11,467
Default

Quote:
Originally Posted by kerri gt View Post
I'm going to go for 12 NSD in Dec - I'm not 100% sure how obtainable 14 would be (although this is a challenge ) and I don't want to target 13
Ahhhhhh .... I have "13" issues too

Quote:
Originally Posted by kerri gt View Post
Updated Dec rules for what isn't included:
  • Bill payments (already budgeted for)
  • Boot Camp
  • Milk (essential)
  • Petrol (can't put milk in the car)
Missed you in Nov Kerri!

Milk would work out a darn site cheaper..... mmmmmm maybe there's something in that ...... could this be the invention that makes me a multi-multi-billionnaire *sigh*

Right ..... target still not set - I did think of joining the DDD Challenge but some of the rules are too restrictive for me just now, so ...... 12 please

I know it's low but I've done better than expected this month as was supposed to do my C shopping - but not started it yet

I really need to start thinking about this but worried if I start looking online I'll be tempted by things for me! (I had one of those advertising booklet things fall out a mag yesterday and ... there was some rather nice handbags in it!) and I went and looked and luckily they didn't have the one I really liked in stock
Starting again - back on the frugal MSE journey
Groceries & Toiletries: Annual £2080
Coin jars ..... starting again having paid for my car tax!

rising from the ashes is offline
Reply With Quote Report Post
The Following 7 Users Say Thank You to rising from the ashes For This Useful Post: Show me >>
# 54
tomandjerry
Old 28-11-2012, 10:03 PM
MoneySaving Stalwart
 
Join Date: May 2006
Posts: 237
Default

I decided to go for 20 NSD in December. So please number me.
NSD Nov 20/20 Dec 13/20 March 12/15 Apr 8/20
DMP started 2/2007
DMP Mutual support #136
DFD July 2013 May 2024 Oct 2017 Feb 2017 still hoping to be sooner
tomandjerry is offline
Reply With Quote Report Post
The Following 7 Users Say Thank You to tomandjerry For This Useful Post: Show me >>
# 55
kerri gt
Old 28-11-2012, 10:20 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jul 2007
Posts: 4,838
Default

Quote:
Originally Posted by rising from the ashes View Post
Ahhhhhh .... I have "13" issues too

Missed you in Nov Kerri!

Milk would work out a darn site cheaper..... mmmmmm maybe there's something in that ...... could this be the invention that makes me a multi-multi-billionnaire *sigh*

Right ..... target still not set - I did think of joining the DDD Challenge but some of the rules are too restrictive for me just now, so ...... 12 please

I know it's low but I've done better than expected this month as was supposed to do my C shopping - but not started it yet

I really need to start thinking about this but worried if I start looking online I'll be tempted by things for me! (I had one of those advertising booklet things fall out a mag yesterday and ... there was some rather nice handbags in it!) and I went and looked and luckily they didn't have the one I really liked in stock
Ahhh, thanks Rising, missed you guys too xx btw, I have to ask...what is the DDD challenge?
July 2014 NSD Challenge 12/12
MAY NSD 7/11 APR NSD 14/16
MAR NSD 17/17 FEB NSD 18/15 JAN NSD 16/12
kerri gt is offline
Reply With Quote Report Post
The Following 6 Users Say Thank You to kerri gt For This Useful Post: Show me >>
# 56
Siouxsie32
Old 28-11-2012, 10:56 PM
Serious MoneySaving Fan
 
Join Date: Jan 2006
Posts: 1,723
Default

Another DDDer reporting for duty! Count me in for 20 NSDs and 5 in a row please
450 Day Debt Slaying Challenge:
£9107.25 £0 (60 days early)
New Challenge for 2014:
£20,136.47 £16424.81 (More than twice as much in less time )
Siouxsie32 is offline
Reply With Quote Report Post
The Following 7 Users Say Thank You to Siouxsie32 For This Useful Post: Show me >>
# 57
Rachel021967
Old 29-11-2012, 3:25 AM
Serious MoneySaving Fan
 
Join Date: Nov 2004
Posts: 1,009
Default

I have bought nearly all my presents so I need to have 10 NSD,
Rachel021967 is offline
Reply With Quote Report Post
The Following 7 Users Say Thank You to Rachel021967 For This Useful Post: Show me >>
# 58
armchairexpert
Old 29-11-2012, 4:03 AM
MoneySaving Convert
 
Join Date: Nov 2012
Posts: 147
Default

Right, assuming nobody ups and dies on me this coming month (sorry, black humour and all that) I will pledge 13 NSD and 3-in-a-row please.
If all goes to plan:

As of April 2014, oustanding mortgage of $250,000.
armchairexpert is offline
Reply With Quote Report Post
The Following 6 Users Say Thank You to armchairexpert For This Useful Post: Show me >>
# 59
freebyfifty
Old 29-11-2012, 7:06 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Oct 2011
Location: In a debt hell
Posts: 3,127
Default

Good Morning

Front page all updated again. There is gonna be a lot of us agin this month


Have a great Friday eve
Debt Free by 50. 4 years 2 months and 10 days to go!!!
Studio £531.95 F/Mans £193.98 L/Woods£97.62
August NSD Challenge 24/21
freebyfifty is offline
Reply With Quote Report Post
The Following 6 Users Say Thank You to freebyfifty For This Useful Post: Show me >>
# 60
rising from the ashes
Old 29-11-2012, 7:08 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Oct 2010
Location: In my wee bit of Bonnie Scotland
Posts: 11,467
Default

Quote:
Originally Posted by kerri gt View Post
Ahhh, thanks Rising, missed you guys too xx btw, I have to ask...what is the DDD challenge?
Following on from NOvember's success, Kat has launched December Debt Destruction ....
http://forums.moneysavingexpert.com/....php?t=4313709
Starting again - back on the frugal MSE journey
Groceries & Toiletries: Annual £2080
Coin jars ..... starting again having paid for my car tax!

rising from the ashes is offline
Reply With Quote Report Post
The Following 8 Users Say Thank You to rising from the ashes For This Useful Post: Show me >>
Reply

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 9:37 PM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 23 July 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile
  • RT @trustaviation: @MartinSLewis East Coast score higher than both Chiltern and Virgin according to latest figures.
  • A few people seem a little confused by my earlier tweet. The green deal hasn't ended, the home improvement fund element of it has
  • Virgin trains & Chiltern topping our rail companies poll, over 60% great. Greater Anglia by far worst - 75% poor. See http://t.co/hFZNkDNA7v

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • VARIOUS ARTISTSNOW THAT'S WHAT I CALL MUSIC! 88
  • ED SHEERANX (DELUXE EDITION)
  • VARIOUS ARTISTSRHYTHM OF THE NIGHT

MSE's Twitter Feed

profile
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.