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  • FIRST POST
    • marmiterulesok
    • By marmiterulesok 1st Oct 17, 12:29 PM
    • 7,394Posts
    • 33,600Thanks
    marmiterulesok
    The October NSD Challenge!
    • #1
    • 1st Oct 17, 12:29 PM
    The October NSD Challenge! 1st Oct 17 at 12:29 PM
    Join in people!It's a great challenge.
    Nsd september 2/10
    I need to learn to budget again
Page 2
    • Reb2016
    • By Reb2016 2nd Oct 17, 7:50 PM
    • 129 Posts
    • 200 Thanks
    Reb2016
    NSD 1 for me yesterday and 2 today of to a good start.

    Reb
    Light bulb moment 6th June 2017 £13333.63 Debt now 11967.05
    DFD was October 2020 40 months now 31st Jan 2020 28 months Overdraft £650/£2250
    6/17 NSD October 0/6 in a row
    • Purplemumof2
    • By Purplemumof2 2nd Oct 17, 8:31 PM
    • 5,202 Posts
    • 17,355 Thanks
    Purplemumof2
    NSD 1/10 for today.

    Hope everyone's had a good day x
    Last edited by Purplemumof2; 04-10-2017 at 5:17 AM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7250.00 Cap 1: £540.91 BC: £5196.94

    AFD 3/10 NSD 2/10 LTW 3/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • cozicup
    • By cozicup 2nd Oct 17, 9:03 PM
    • 25 Posts
    • 91 Thanks
    cozicup
    today was good - Work is going much better now my room has a new manager (I work in a busy 2-3yr olds day nursery room)

    and has a rough idea of the things me & my partner wants to do / save up for first.
    Gives me a good idea of wedding stuff ect
    Newly Engaged! 1/09/2017
    OCT NSD 2/15 | BYLTW 2/10
    [COLOR="YellowGreen"]Emergency Fund: £0.00 / £1,000 | H2B ISA: £0.00 / £1,600 | Wedding Fund: £0.00 / £15,000 |
    NewHomeFundJar: £1.91
    • Nargleblast
    • By Nargleblast 2nd Oct 17, 9:15 PM
    • 9,353 Posts
    • 54,902 Thanks
    Nargleblast
    Number 2 NSD for me today.
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash





    October NSDs 10 of 20
    • beanielou
    • By beanielou 3rd Oct 17, 11:05 AM
    • 47,670 Posts
    • 172,817 Thanks
    beanielou
    NSd 2 yesterday & 3 today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • arc2014
    • By arc2014 3rd Oct 17, 1:32 PM
    • 97 Posts
    • 357 Thanks
    arc2014
    NSD #2 for me today!
    Logbook Loan 4.95/1000 · DC1 45/1420.32 · DC2 20/321.13 · DC3 11.75/11.75 · DC4 40/635 · Personal Loan 213.37/4800 · Overdraft 0/1200

    Lightbulb Moment September 2017 - DFD Christmas 2018!

    October NSDs 10/15 · £10 a day challenge £209.64/£500
    • Skye17
    • By Skye17 3rd Oct 17, 5:46 PM
    • 16 Posts
    • 20 Thanks
    Skye17
    NSD day here for me 1/10
    October 2017
    Barclaycard - £2891.00/£0.00
    • Trying To Find Happiness
    • By Trying To Find Happiness 3rd Oct 17, 9:44 PM
    • 8 Posts
    • 7 Thanks
    Trying To Find Happiness
    I’d like to joint please! 15NSDs for me.

    0/15
    • Trying To Find Happiness
    • By Trying To Find Happiness 3rd Oct 17, 9:53 PM
    • 8 Posts
    • 7 Thanks
    Trying To Find Happiness
    Edit to my last post, I forgot what the date was! I’ve had 1 NSD so far.

    1/15
    • cozicup
    • By cozicup 3rd Oct 17, 10:48 PM
    • 25 Posts
    • 91 Thanks
    cozicup
    NSD 2 achieved
    Went out for a spot evening food with my auntie but she paid.
    Took my own lunch to work
    Newly Engaged! 1/09/2017
    OCT NSD 2/15 | BYLTW 2/10
    [COLOR="YellowGreen"]Emergency Fund: £0.00 / £1,000 | H2B ISA: £0.00 / £1,600 | Wedding Fund: £0.00 / £15,000 |
    NewHomeFundJar: £1.91
    • marmiterulesok
    • By marmiterulesok 4th Oct 17, 12:08 AM
    • 7,394 Posts
    • 33,600 Thanks
    marmiterulesok
    Today isn't a NSD,
    I spent £1.48 on milk, we were baking and didn't know how much milk we needed and almost out since i drink a lot of coffee. I rounded it up to £1.50 for Tesco's charity event.
    Originally posted by cozicup
    Hi.A lot of us have allowed spends.It's up to you to choose what these are.It means that you can buy your pint of milk and,as long as you don't buy anything else (unless it0's also an allowed spend) you still can claim an nsd.
    It could be milk,bread,a packet of paper tissues... up to you.

    I did spend but I'm counting it as an emergency ...
    I basically thought I was pregnant & At the moment we're not ready for a baba,
    so I brought a test to check but thankfully right now I'm not.
    me & my fiancee aren't ready since we do have a new house save for as well as the wedding and other small financial stuff. I kinda wanted to have a baba though so bad but too much going n right now.

    Also, he brought the little bits for tea and that tonight so I didn't spend anything.

    So I'm up to 1 NSD
    Originally posted by cozicup
    Then there are the emergency spends!

    You're not counting this one:good!

    It could be a light bulb,tampons,a pair of tights....
    Nsd september 2/10
    I need to learn to budget again
    • marmiterulesok
    • By marmiterulesok 4th Oct 17, 12:12 AM
    • 7,394 Posts
    • 33,600 Thanks
    marmiterulesok
    Hi and welcome to all the newbies!Welcome back to all the regulars too!

    Now,i've got all your names down on my bit of paper.I'll try and update the front page tomorrow.

    Well done if you've already achieved some or one nsd.

    Please though always state clearly what your total is,preferably in a large and colourful font.

    I'm really going to try and stay on top of this month's thread.

    I'm at #2,amazingly enough...
    Nsd september 2/10
    I need to learn to budget again
    • Purplemumof2
    • By Purplemumof2 4th Oct 17, 5:18 AM
    • 5,202 Posts
    • 17,355 Thanks
    Purplemumof2
    Morning

    NSD 2/10 for yesterday.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7250.00 Cap 1: £540.91 BC: £5196.94

    AFD 3/10 NSD 2/10 LTW 3/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • FlowerGirl27
    • By FlowerGirl27 4th Oct 17, 7:09 AM
    • 80 Posts
    • 79 Thanks
    FlowerGirl27
    Hello can I join in from now please?
    I won't include regular bills, the weekly food shop, or top up shops for bread, milk and the fresh stuff.

    I would like to do 16
    • Nargleblast
    • By Nargleblast 4th Oct 17, 1:38 PM
    • 9,353 Posts
    • 54,902 Thanks
    Nargleblast
    This will be NSD number 3 for me today. It helps when you are on night shift and spend half the day sleeping!
    Debt free date.....3 August 2015
    Now building up a Doomsday Cash Stash





    October NSDs 10 of 20
    • beanielou
    • By beanielou 4th Oct 17, 4:31 PM
    • 47,670 Posts
    • 172,817 Thanks
    beanielou
    NSD no 4 today for me.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Skye17
    • By Skye17 4th Oct 17, 5:06 PM
    • 16 Posts
    • 20 Thanks
    Skye17
    NSD no 2 today 2/10
    October 2017
    Barclaycard - £2891.00/£0.00
    • helsbell
    • By helsbell 4th Oct 17, 8:15 PM
    • 77 Posts
    • 257 Thanks
    helsbell
    Hi, I've been joining in since the start of the month again, so i thought I'd post to let you know

    I'm aiming for 10 NSDs again, please. Yesterday and today were NSDs #1 and #2
    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • cozicup
    • By cozicup 4th Oct 17, 9:23 PM
    • 25 Posts
    • 91 Thanks
    cozicup
    Oh okay I won't count the milk as a spend, then.

    I got another NSD today so my total would now be;
    #4

    Almost spent. Almost walked to tesco to get a drink but met with the mr for lunch instead

    Made sense as I'm - £2.00 in my bank 🤣 until early hours when i get my wages .

    I won't count grocery shopping when it's stuff we need , little top ups like milk or Christmas gifts for others. I'm allowing myself £20-£30 for buying Halloween stuff as we're hosting a Halloween party for friends.
    Newly Engaged! 1/09/2017
    OCT NSD 2/15 | BYLTW 2/10
    [COLOR="YellowGreen"]Emergency Fund: £0.00 / £1,000 | H2B ISA: £0.00 / £1,600 | Wedding Fund: £0.00 / £15,000 |
    NewHomeFundJar: £1.91
    • Tea&Kittens
    • By Tea&Kittens 5th Oct 17, 11:08 AM
    • 128 Posts
    • 469 Thanks
    Tea&Kittens
    Day 4 of 17! Also 4//5 Consecutive days
    Planned and budgeted-for haircut is due tomorrow. Debating whether I should allow this one as a NSD given that I've allocated the money for it or let it interrupt the streak of NSDs!
    (I have found a hairdresser for £25, which is an absolute bargain, vs. the £40 where I went before too!)
    October: NSDs 6 / 17 NSDs in a row: 1 / 5
    I started my debtfree journey on 07 September 2017: Total: £20,521 £19847
    Barclaycard: £14659 £14435 Oct 2017 HSBC Credit Card : £3112 £3012 Oct 2017
    Overdraft: 350 £0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
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