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  • FIRST POST
    • marmiterulesok
    • By marmiterulesok 25th Sep 16, 8:46 PM
    • 6,885Posts
    • 32,694Thanks
    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 8
    • BeTheChange
    • By BeTheChange 11th Oct 16, 9:19 PM
    • 89 Posts
    • 437 Thanks
    BeTheChange
    Stuck at 7 as had a birthday card to buy and needed more milk.
    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
    • Nargleblast
    • By Nargleblast 11th Oct 16, 10:21 PM
    • 8,727 Posts
    • 51,865 Thanks
    Nargleblast
    Number 6 for me today. Amazing what long shifts at work can do to prevent you spending!
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash



    December NSDs. 00 of 15
    • marmiterulesok
    • By marmiterulesok 12th Oct 16, 8:10 AM
    • 6,885 Posts
    • 32,694 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.
    Originally posted by ab_saver
    Just a query.I saw this:so you're not counting them as a spend then I take it?They're already paid for.

    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.
    Originally posted by Beautiful-Moose
    Very good!
    Would you mind though putting something like #1 and #2 taken care of,so I see it more clearly.
    Thanks!

    Number 6 for me today. Amazing what long shifts at work can do to prevent you spending!
    Originally posted by Nargleblast
    Small mercies indeed!
    NSD November 6/15
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 12th Oct 16, 8:11 AM
    • 6,885 Posts
    • 32,694 Thanks
    marmiterulesok
    Monday and Tuesday take me up to #9.

    The only money being spent is my grocery budget.
    NSD November 6/15
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 12th Oct 16, 8:18 AM
    • 6,885 Posts
    • 32,694 Thanks
    marmiterulesok
    Wow,we have amassed 45 nsds in total,and with 9 of us having actively taken part,that means there's an average of 6 nsds each!!

    Well done people!

    I wonder what today holds in store?
    NSD November 6/15
    I need to learn to budget again
    • Dolly Rocker
    • By Dolly Rocker 12th Oct 16, 8:51 AM
    • 2,646 Posts
    • 7,044 Thanks
    Dolly Rocker
    Dolly Rocker 8/15

    Number 9 will be today!

    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
    • ab_saver
    • By ab_saver 12th Oct 16, 3:23 PM
    • 206 Posts
    • 547 Thanks
    ab_saver
    Just a query.I saw this:so you're not counting them as a spend then I take it?They're already paid for
    Originally posted by marmiterulesok
    Well I wasn't planning to count it as a spend as I paid an eye watering sum for a multi-visit pass a couple of months ago. Unfortunately I ended up staying an hour and a half late at work yesterday so didn't go. The visits are anytime so I didn't lose money by not going.

    Today is another NSD (I think this is #10?) - I need to go back and change my sig at some point as it's a bit behind. I'm pretty sure I'll make the 5 in a row for a no spend working week.
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £13.74/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 0/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £1.98/75
    • mobo1980
    • By mobo1980 12th Oct 16, 4:44 PM
    • 316 Posts
    • 1,646 Thanks
    mobo1980
    Hello there

    I know it's quite far through the challenge but I would be very grateful if I could join

    I have been on here a couple of years back , but i've lost my way and ended up in quite a bit of debt again and seen as at the minute I can't make much overpayments , Hanging onto what money i've got seems like a fab idea

    so if it's ok can i go for 10/nsd please that takes me to when i get paid on the 27th

    Mobo xx
    Last edited by mobo1980; 13-10-2016 at 6:43 PM.
    CC1-£362.00
    CC2-£1620
    LOAN-£14,844.33
    TOTAL DEBT £16,826.33
    Then there's the mortgage
    • Nargleblast
    • By Nargleblast 12th Oct 16, 8:20 PM
    • 8,727 Posts
    • 51,865 Thanks
    Nargleblast
    Welcome mobo1980, our chief disorganiser marmite will add you to the list.

    Not a NSD for me today, I was on a training day and succumbed to a fancy schmancy coffee from the restaurant. Well, the training dept only provides filthy cheapo instant coffee and one has to have standards, dahhlings!

    Seriously though, I rarely frequent coffee shops or restaurants, so this was a once in a blue moon treat. I should be able to add more NSDs as the week draws to a close.
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash



    December NSDs. 00 of 15
    • Dolly Rocker
    • By Dolly Rocker 13th Oct 16, 8:36 AM
    • 2,646 Posts
    • 7,044 Thanks
    Dolly Rocker
    NSD#10 - DONE!

    Onto #11 today, we can do this!

    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
    • mobo1980
    • By mobo1980 13th Oct 16, 6:44 PM
    • 316 Posts
    • 1,646 Thanks
    mobo1980
    Thankyou for the welcome Nargleblast

    so today is 1/10NSD yay !

    Mobo xx
    CC1-£362.00
    CC2-£1620
    LOAN-£14,844.33
    TOTAL DEBT £16,826.33
    Then there's the mortgage
    • BeTheChange
    • By BeTheChange 13th Oct 16, 7:19 PM
    • 89 Posts
    • 437 Thanks
    BeTheChange
    8/18 for me now - nearly half way there!
    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 13th Oct 16, 7:32 PM
    • 206 Posts
    • 547 Thanks
    ab_saver
    NSD 11/18 today
    Go on holiday in 8 days - going to have to have a long run of NSDs to get near my target!
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £13.74/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 0/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £1.98/75
    • Nargleblast
    • By Nargleblast 13th Oct 16, 8:17 PM
    • 8,727 Posts
    • 51,865 Thanks
    Nargleblast
    Lots of spending going on today, hopefully I will be better behaved tomorrow!
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash



    December NSDs. 00 of 15
    • Nargleblast
    • By Nargleblast 14th Oct 16, 8:48 PM
    • 8,727 Posts
    • 51,865 Thanks
    Nargleblast
    Quiet on here today, I hope that's not because you're all out spending money!

    I am pleased to announce the arrival of NSD number 7!!!
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash



    December NSDs. 00 of 15
    • ab_saver
    • By ab_saver 14th Oct 16, 8:58 PM
    • 206 Posts
    • 547 Thanks
    ab_saver
    Quiet on here today, I hope that's not because you're all out spending money!
    Originally posted by Nargleblast
    I'm afraid I have been out spending money and in large sums. Impromptu team lunch for someone's birthday today (£6), and then the floodgates had opened so I moved all of tomorrow's spends to today.

    So... as well as lunch:
    -work Christmas do for OH and I - £113
    -secret santa care package shopping - £7 (pens, chocolate)
    -£land odds and sods - £2
    -reduced bargains at Mr W - 39p
    -totally unnecessary chocolate from Mr W - £1.50

    I need to post my parcels to people tomorrow but I have got the money out and put it aside so I'm counting it as today's spends.

    So... I should now have a no spend weekend (it rhymes, I like it.... )
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £13.74/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 0/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £1.98/75
    • Nargleblast
    • By Nargleblast 14th Oct 16, 9:31 PM
    • 8,727 Posts
    • 51,865 Thanks
    Nargleblast
    £113 for a works Christmas do?????? Ye gods!!! I sincerely hope it will be the do to end all dos, should be, at that price!

    Edited to add....you truly deserve that chocolate. Chocolate is never unnecessary. Especially when you've just spent £113 on the Christmas knees-up.
    Last edited by Nargleblast; 14-10-2016 at 9:33 PM.
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash



    December NSDs. 00 of 15
    • ab_saver
    • By ab_saver 14th Oct 16, 10:11 PM
    • 206 Posts
    • 547 Thanks
    ab_saver
    It had better be good - it's a fancy black tie, sit down 3 course meal affair. Of course there are associated costs - like having to have a ballgown dry cleaned!

    I'm off for some therapeutic chocolate now...
    Pesky student overdraft gone _House fund: ~£300 / £10,000_£1000 emergency fund #208 - £13.74/ 1000
    NSDs Sept 6/7 Oct 19/18 Nov 17/15 Dec 0/12_ GC Oct: £15.62/40 Nov: £71.89/75 Dec £1.98/75
    • marmiterulesok
    • By marmiterulesok 14th Oct 16, 11:19 PM
    • 6,885 Posts
    • 32,694 Thanks
    marmiterulesok
    Spendy today and yesterday.Promise to update tomorrow.Night all.
    NSD November 6/15
    I need to learn to budget again
    • hazeldreams
    • By hazeldreams 15th Oct 16, 7:25 AM
    • 154 Posts
    • 341 Thanks
    hazeldreams
    NSD #3 on Thursday ...only targeted ourselves 5 this month but I'm hoping we can surpass this!
    £2638.55 to clear by 24/2/2017 when 0% ends
    £28,012.91/£74146.41(start 1/9/14) 37.7% paid off
    Current balance: £46,133.50
    DFD target February 2018
    Dec Challenges: NSDs 0/10; Groceries £0/£500
    Nov Challenges NSDs 9/10; Groceries £326.82/£300
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