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  • FIRST POST
    • marmiterulesok
    • By marmiterulesok 25th Sep 16, 8:46 PM
    • 6,896Posts
    • 32,721Thanks
    marmiterulesok
    The 'Happy Halloween' October NSD Challenge
    • #1
    • 25th Sep 16, 8:46 PM
    The 'Happy Halloween' October NSD Challenge 25th Sep 16 at 8:46 PM
    October will soon be here...Who will join us in striving towards making the best treacle toffee ever,bonfires,toffee apples and amassing a great big pile of nsds?Don't be shy now!
    Last edited by marmiterulesok; 25-09-2016 at 9:07 PM.
    NSD November 6/15
    I need to learn to budget again
Page 7
    • ab_saver
    • By ab_saver 8th Oct 16, 6:44 PM
    • 214 Posts
    • 569 Thanks
    ab_saver
    Well I'll call it a low spend day, as the total cost of the top up shop (incl steak) and train ticket aren't much more than £20....

    To be honest I'm quite pleased with my NSD progress so far and I got my 4 in a row, so I'm not getting too worked up about it. AND I get to have an unexpected treat tomorrow
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £15.75/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 2/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £6.48/75
    • marmiterulesok
    • By marmiterulesok 8th Oct 16, 7:13 PM
    • 6,896 Posts
    • 32,721 Thanks
    marmiterulesok
    Well I'll call it a low spend day, as the total cost of the top up shop (incl steak) and train ticket aren't much more than £20....

    To be honest I'm quite pleased with my NSD progress so far and I got my 4 in a row, so I'm not getting too worked up about it. AND I get to have an unexpected treat tomorrow
    Originally posted by ab_saver
    That's fine too.Whatever you're happy with.

    You're doing really well,it's true!

    Ok,tell,tell.What's tomorrow's treat?
    NSD November 6/15
    I need to learn to budget again
    • ab_saver
    • By ab_saver 8th Oct 16, 7:43 PM
    • 214 Posts
    • 569 Thanks
    ab_saver
    The steak... I'm exercising my self-control and not eating it tonight!
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £15.75/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 2/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £6.48/75
    • marmiterulesok
    • By marmiterulesok 8th Oct 16, 8:59 PM
    • 6,896 Posts
    • 32,721 Thanks
    marmiterulesok
    The steak... I'm exercising my self-control and not eating it tonight!
    Originally posted by ab_saver
    Aha!
    NSD November 6/15
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 9th Oct 16, 12:17 PM
    • 6,896 Posts
    • 32,721 Thanks
    marmiterulesok
    Good morning all!

    I can safely declare yesterday as #7!

    Happy Sunday all.
    NSD November 6/15
    I need to learn to budget again
    • Dolly Rocker
    • By Dolly Rocker 9th Oct 16, 12:26 PM
    • 2,657 Posts
    • 7,059 Thanks
    Dolly Rocker
    marmiterulesok - well done! That is excellent.

    Friday - 47.50
    Saturday - 39.15

    October is going to be filled with NSD's for me as I have spent the majority of my money already.

    I am trying to not feel so bad about it as the spends on Friday include Christmas gift for my BFF's daughter & 15.00 for a birthday present for my mum that she really wanted.

    Car valet was 20.00 on Friday also & mum bought lunch as I covered that the week before.

    Saturday I spent 30.00 on dinner, 6.00 on getting my eyebrows threaded & 3.15 on posting a housewarming card to Canada.

    I have some money if I need it but I would rather not spend because that is part of my Christmas budget which I need!

    So today is a definite NSD for me.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Nargleblast
    • By Nargleblast 9th Oct 16, 12:43 PM
    • 8,734 Posts
    • 51,888 Thanks
    Nargleblast
    Today should be my next NSD......will report later.
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash



    December NSDs. 00 of 15
    • ab_saver
    • By ab_saver 9th Oct 16, 12:45 PM
    • 214 Posts
    • 569 Thanks
    ab_saver
    It's NSDs left, right, and centre here!
    I won't be able to report until late this evening as I'm watching an item for OH's Christmas present on 3bay that ends tonight. Absolutely no excuse for any other spends today.
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £15.75/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 2/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £6.48/75
    • marmiterulesok
    • By marmiterulesok 9th Oct 16, 2:16 PM
    • 6,896 Posts
    • 32,721 Thanks
    marmiterulesok
    marmiterulesok - well done! That is excellent.

    Friday - 47.50
    Saturday - 39.15

    October is going to be filled with NSD's for me as I have spent the majority of my money already.

    I am trying to not feel so bad about it as the spends on Friday include Christmas gift for my BFF's daughter & 15.00 for a birthday present for my mum that she really wanted.

    Car valet was 20.00 on Friday also & mum bought lunch as I covered that the week before.

    Saturday I spent 30.00 on dinner, 6.00 on getting my eyebrows threaded & 3.15 on posting a housewarming card to Canada.

    I have some money if I need it but I would rather not spend because that is part of my Christmas budget which I need!

    So today is a definite NSD for me.

    Dxxx
    Originally posted by Dolly Rocker
    Thank you!With the internet now,it's so easy to declare an nsd,only to buy a sneaky something five minutes later and have the day ruined.I err on the side of caution now.

    Have you ever thought about having a weekly budget?I know how frustrating it is when most of your money has gone and we're not even half way through the month.
    I mean,my grocery budget is weekly,but that includes cat food and toiletries and even the odd coffee in town.I hope that you had a nice meal with your mum.
    NSD November 6/15
    I need to learn to budget again
    • Dolly Rocker
    • By Dolly Rocker 9th Oct 16, 2:19 PM
    • 2,657 Posts
    • 7,059 Thanks
    Dolly Rocker
    Erm I do have one

    Just clearly not doing so well sticking to it!

    It's this time of year, I am starting my Christmas shopping in January next year

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Nargleblast
    • By Nargleblast 9th Oct 16, 4:47 PM
    • 8,734 Posts
    • 51,888 Thanks
    Nargleblast
    And the Nargle does it again - number 4 NSD added to the collection!
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash



    December NSDs. 00 of 15
    • BeTheChange
    • By BeTheChange 9th Oct 16, 7:04 PM
    • 89 Posts
    • 437 Thanks
    BeTheChange
    A spendy day today. I had to get some milk so I took the opportunity to do some Christmas shopping to take advantage of it and get my moneys worth as it were
    Debt @ Sept '16 = £51804 Oct '16= £51,095 1.37% paid off
    Oct grocery challenge = £229.05/£250
    Oct AFD challenge = 20/31
    Oct NSD = 13/18
    Emergency Fund member #209 = 376/1000
    • ab_saver
    • By ab_saver 9th Oct 16, 7:25 PM
    • 214 Posts
    • 569 Thanks
    ab_saver
    So... not an NSD today as I bought OH's present on 3bay. I try to convince myself that £27 (incl postage for a parcel) was good value (same item was £40 on amazon). I have well and truly busted the gifts/Christmas budget this month though (will reduce next month to make up for having bought things early).

    Tomorrow is back to work and back on the NSD wagon - only indulgences this week should be climbing (prepaid) and gym (also paid for). Since I've managed a 3 in a row and a 4 in a row I think I should go for a 5 in a row this week.... wish me luck!
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £15.75/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 2/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £6.48/75
    • marmiterulesok
    • By marmiterulesok 10th Oct 16, 12:03 PM
    • 6,896 Posts
    • 32,721 Thanks
    marmiterulesok
    Tomorrow is back to work and back on the NSD wagon - only indulgences this week should be climbing (prepaid) and gym (also paid for). Since I've managed a 3 in a row and a 4 in a row I think I should go for a 5 in a row this week.... wish me luck!
    Originally posted by ab_saver
    You're signed up!

    Erm I do have one
    Originally posted by Dolly Rocker
    Oops,soooorrrrrry!

    Of course you do.
    NSD November 6/15
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 10th Oct 16, 12:06 PM
    • 6,896 Posts
    • 32,721 Thanks
    marmiterulesok
    So yesterday was spendy.
    Today shall be non spendy.

    I hope you all have a good week!

    Off to update.
    NSD November 6/15
    I need to learn to budget again
    • Beautiful-Moose
    • By Beautiful-Moose 10th Oct 16, 12:14 PM
    • 142 Posts
    • 184 Thanks
    Beautiful-Moose
    So on Friday and Sunday I managed to have no spend days! I have pretty much spent the weekend packing up my parents house so didn't get out much to spend any money. I can see another weekend of no spending as I will be helping my parents move in to their new place. Will be aiming for 2-3 week days this week as no spend days as well.
    • BeTheChange
    • By BeTheChange 10th Oct 16, 8:41 PM
    • 89 Posts
    • 437 Thanks
    BeTheChange
    Back on it and NSD number 7/18 for me please
    Debt @ Sept '16 = £51804 Oct '16= £51,095 1.37% paid off
    Oct grocery challenge = £229.05/£250
    Oct AFD challenge = 20/31
    Oct NSD = 13/18
    Emergency Fund member #209 = 376/1000
    • Dolly Rocker
    • By Dolly Rocker 10th Oct 16, 8:53 PM
    • 2,657 Posts
    • 7,059 Thanks
    Dolly Rocker
    NSD#2 of this week.

    My total up to 7 NSD's in October so far.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • Nargleblast
    • By Nargleblast 10th Oct 16, 9:33 PM
    • 8,734 Posts
    • 51,888 Thanks
    Nargleblast
    And here I am with NSD number 5! Halfway there.
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash



    December NSDs. 00 of 15
    • ab_saver
    • By ab_saver 10th Oct 16, 11:34 PM
    • 214 Posts
    • 569 Thanks
    ab_saver
    Today was NSD #8
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £15.75/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 2/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £6.48/75
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