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  • FIRST POST
    • marmiterulesok
    • By marmiterulesok 25th Sep 16, 8:46 PM
    • 7,309Posts
    • 33,498Thanks
    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 July 10/20
    I need to learn to budget again
Page 8
    • BeTheChange
    • By BeTheChange 11th Oct 16, 9:19 PM
    • 89 Posts
    • 439 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
    • 9,183 Posts
    • 53,818 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





    July NSDs. 12 of 15
    • marmiterulesok
    • By marmiterulesok 12th Oct 16, 8:10 AM
    • 7,309 Posts
    • 33,498 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 July 10/20
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 12th Oct 16, 8:11 AM
    • 7,309 Posts
    • 33,498 Thanks
    marmiterulesok
    Monday and Tuesday take me up to #9.

    The only money being spent is my grocery budget.
    Nsd July 10/20
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 12th Oct 16, 8:18 AM
    • 7,309 Posts
    • 33,498 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 July 10/20
    I need to learn to budget again
    • Dolly Rocker
    • By Dolly Rocker 12th Oct 16, 8:51 AM
    • 3,251 Posts
    • 9,094 Thanks
    Dolly Rocker
    Dolly Rocker 8/15

    Number 9 will be today!

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • ab_saver
    • By ab_saver 12th Oct 16, 3:23 PM
    • 333 Posts
    • 806 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.
    House fund: £1610 / £10,000 _£1000 emergency fund #208 - £110/ 1000 _
    • mobo1980
    • By mobo1980 12th Oct 16, 4:44 PM
    • 332 Posts
    • 1,761 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-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • Nargleblast
    • By Nargleblast 12th Oct 16, 8:20 PM
    • 9,183 Posts
    • 53,818 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





    July NSDs. 12 of 15
    • Dolly Rocker
    • By Dolly Rocker 13th Oct 16, 8:36 AM
    • 3,251 Posts
    • 9,094 Thanks
    Dolly Rocker
    NSD#10 - DONE!

    Onto #11 today, we can do this!

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • mobo1980
    • By mobo1980 13th Oct 16, 6:44 PM
    • 332 Posts
    • 1,761 Thanks
    mobo1980
    Thankyou for the welcome Nargleblast

    so today is 1/10NSD yay !

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • BeTheChange
    • By BeTheChange 13th Oct 16, 7:19 PM
    • 89 Posts
    • 439 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
    • 333 Posts
    • 806 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!
    House fund: £1610 / £10,000 _£1000 emergency fund #208 - £110/ 1000 _
    • Nargleblast
    • By Nargleblast 13th Oct 16, 8:17 PM
    • 9,183 Posts
    • 53,818 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





    July NSDs. 12 of 15
    • Nargleblast
    • By Nargleblast 14th Oct 16, 8:48 PM
    • 9,183 Posts
    • 53,818 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





    July NSDs. 12 of 15
    • ab_saver
    • By ab_saver 14th Oct 16, 8:58 PM
    • 333 Posts
    • 806 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.... )
    House fund: £1610 / £10,000 _£1000 emergency fund #208 - £110/ 1000 _
    • Nargleblast
    • By Nargleblast 14th Oct 16, 9:31 PM
    • 9,183 Posts
    • 53,818 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





    July NSDs. 12 of 15
    • ab_saver
    • By ab_saver 14th Oct 16, 10:11 PM
    • 333 Posts
    • 806 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...
    House fund: £1610 / £10,000 _£1000 emergency fund #208 - £110/ 1000 _
    • marmiterulesok
    • By marmiterulesok 14th Oct 16, 11:19 PM
    • 7,309 Posts
    • 33,498 Thanks
    marmiterulesok
    Spendy today and yesterday.Promise to update tomorrow.Night all.
    Nsd July 10/20
    I need to learn to budget again
    • hazeldreams
    • By hazeldreams 15th Oct 16, 7:25 AM
    • 210 Posts
    • 374 Thanks
    hazeldreams
    NSD #3 on Thursday ...only targeted ourselves 5 this month but I'm hoping we can surpass this!
    £40,156.88 /£75,146.41(start 1/9/14) 53.4% paid off
    £34,989.53 left to go
    DFD target February 2018 July 2019
    May Challenges: NSDs 0/16; Groceries £0/£400
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