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  • FIRST POST
    • adventureofmemories
    • By adventureofmemories 1st Jan 18, 10:34 AM
    • 159Posts
    • 525Thanks
    adventureofmemories
    Januaray NSD Challenge 2018
    • #1
    • 1st Jan 18, 10:34 AM
    Januaray NSD Challenge 2018 1st Jan 18 at 10:34 AM
    I created this thread as I couldnt see one for December. I dont own this challenge but know others would like to see a January one.

    This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of January.
    Keep us updated with your progress and hope you all have a great start to the new year.

    To join,
    just post your personal target and you are on your way.

    Tips for the challenge;
    1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve

    2. Create a list of allowances...What counts as a spend and what doesn't. Keep the list on you so you don't fall of the wagon or make exceptions for everything

    3. Keep a tally of how many NSDs you get. See if you can beat your previous amount!
    Debt to fiancee - £404.00 (left to pay) | Save £12,000 in 2018 - £371.90 all together|2,018 items in 2018 (8/2,018)
Page 3
    • squanderscouse
    • By squanderscouse 5th Jan 18, 10:48 AM
    • 74 Posts
    • 283 Thanks
    squanderscouse
    Can I join please? Put me down for 15 please

    NSD 3 so far. Today won't be one though as already bought Lemsip as coming down with the dreaded lurg!

    Thank you
    Bank Loan 5000/PAID Barclaycard 2500/1841.34
    Overdraft 2000/Cleared MBNA Closed
    Littlewoods 1200/181.65

    Long time lurker - so grateful to MSE for helping me reduce my debt. January NSD 6/15
    Sealed pot challenge 11 #568
    • shezam
    • By shezam 5th Jan 18, 1:14 PM
    • 550 Posts
    • 2,323 Thanks
    shezam
    Yes, bagged number 1 yesterday and hoping for number 2 today. Have decided to not include food shopping as that comes out our joint account. Only including spends from my personal account. NSD number 1 in the bag!
    Virgin Credit Card - £3290.02

    Jan NSD challenge - 0/10
    • Purplemumof2
    • By Purplemumof2 5th Jan 18, 1:32 PM
    • 5,548 Posts
    • 20,203 Thanks
    Purplemumof2
    NSD's what I don't include:

    DH's Nicorette
    DH's contact lenses
    Prescriptions
    Diesel
    Kids lunches at school on Fridays - they don't get many treats or pocket money and I feel they should be rewarded for good behaviour at school.
    My £10 allowance per week - £2 allowed per day
    Weekly food shop/top up shops
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6900.00 Cap 1: £467.97 BC: £6900.00

    AFD 4/14 NSD 9/17 LTW 10/17
    POAMAYC 2018 #041 PD £878.17/£4000
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Regency1
    • By Regency1 5th Jan 18, 3:20 PM
    • 13 Posts
    • 28 Thanks
    Regency1
    Wednesday was not an NSD as I bought something on eB*y without even thinking! I can see why I never have as much money as I think I should!

    Back on track yesterday though so that was my second for Jan and should also manage an NSD today.

    Have a good (non-spendy) weekend everyone!
    • Bookaholic
    • By Bookaholic 5th Jan 18, 7:17 PM
    • 45 Posts
    • 148 Thanks
    Bookaholic
    I have spent today on something for school but Iíll be able to claim it back as soon as I turn my receipt in so Iím counting it as a NSD taking me up to 3/15 so far
    Money saved for Christmas 2018 £6/£500
    No more Buying Books challenge - read 2 books 2017-18
    January NSDs - 3/15
    • adventureofmemories
    • By adventureofmemories 5th Jan 18, 9:20 PM
    • 159 Posts
    • 525 Thanks
    adventureofmemories
    Claiming number 3 for yesterday

    Today was a spend day. I ordered a uber and spent money on snacks
    Debt to fiancee - £404.00 (left to pay) | Save £12,000 in 2018 - £371.90 all together|2,018 items in 2018 (8/2,018)
    • adventureofmemories
    • By adventureofmemories 5th Jan 18, 10:44 PM
    • 159 Posts
    • 525 Thanks
    adventureofmemories
    Thread update 01
    Hello members!
    You are all doing so well.

    Just a quick thing to say, Some of your numbers has been changed due to the fact that I missed out some of you when creating the list (I am so sorry b.t.w)

    Everyone has been added to the list with their totals updated from tonight.

    Hope you have a good weekend.
    Debt to fiancee - £404.00 (left to pay) | Save £12,000 in 2018 - £371.90 all together|2,018 items in 2018 (8/2,018)
    • Penny2myName
    • By Penny2myName 6th Jan 18, 12:27 PM
    • 1,584 Posts
    • 4,543 Thanks
    Penny2myName
    Another spend day for me today as charge for my accommodation at the end of January came out so £215.10. £15.00 for glasses

    Total £230.10
    Last edited by Penny2myName; 06-01-2018 at 1:56 PM.
    19th March 2007 LBM£5,969.63 1st January 2018 £5960.18
    Student Loan £22244.00 From 2009-12
    Challenges: 2018 Frugal living challenge, January NSD Challenge 2018.
    • LLM2018
    • By LLM2018 8th Jan 18, 6:07 PM
    • 27 Posts
    • 118 Thanks
    LLM2018
    Hello, #10 had a no spend day yesterday so I'm at 3/12 so far.

    Today was a spend day of £2.34 which was a stamp and 2 reduced items.
    Last edited by LLM2018; 08-01-2018 at 6:10 PM.
    Debt cc £2494
    #21 Make 1% challenge 6/100%
    #78 PAYDBX '18 £154/2494
    #6 Crazy clothes challenge £10 per month only #10 NSD January aim 5/12
    #19 Surveys pay for Xmas' 18 Jan: £2.50 # No buying unnecessary toiletries January '18 7/62
    • mumofthetwins
    • By mumofthetwins 8th Jan 18, 7:43 PM
    • 891 Posts
    • 3,866 Thanks
    mumofthetwins
    Hi guys .. I did this last year and it really helped to keep my spending under control. I'd love to join again and aiming for 10

    Thanks a million Lisa
    This time I'm sticking with it !!
    Jan £3.40/£300 2/10 NSD
    PAD
    Jan £374
    • fatrab
    • By fatrab 8th Jan 18, 10:14 PM
    • 125 Posts
    • 258 Thanks
    fatrab
    I'm a bit late to this party, but I'd like to join in please!

    Up until last week I'd never even heard of an NSD but today I had my first one! Tomorrow should be one too

    I'll try for 8 this month

    Thanks
    Wannabe debt free by 31/12/2022 - Wannalose 3st in the process - 6lbs off so far
    8 x £2 coins (#32) - 6/12 NSD in January
    • Purplemumof2
    • By Purplemumof2 9th Jan 18, 12:57 PM
    • 5,548 Posts
    • 20,203 Thanks
    Purplemumof2
    Afternoon all,

    I'm up to my 5th NSD this month so far.

    Everyone is doing really well.

    Welcome to the newbies, adventureofmemories will be along shortly to assign numbers.

    Pmo2
    x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6900.00 Cap 1: £467.97 BC: £6900.00

    AFD 4/14 NSD 9/17 LTW 10/17
    POAMAYC 2018 #041 PD £878.17/£4000
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Purplemumof2
    • By Purplemumof2 9th Jan 18, 3:48 PM
    • 5,548 Posts
    • 20,203 Thanks
    Purplemumof2
    Afternoon all,

    I'm up to my 5th NSD this month so far.

    Everyone is doing really well.

    Welcome to the newbies, adventureofmemories will be along shortly to assign numbers.

    Pmo2
    x
    Originally posted by Purplemumof2
    Scrap that one..........DS lost his bus pass, so £15 to replace it

    Back down to 4 again.....bloody kids!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6900.00 Cap 1: £467.97 BC: £6900.00

    AFD 4/14 NSD 9/17 LTW 10/17
    POAMAYC 2018 #041 PD £878.17/£4000
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • fatrab
    • By fatrab 9th Jan 18, 5:30 PM
    • 125 Posts
    • 258 Thanks
    fatrab
    2nd NSD in a row! Chuffed but wasn't easy.

    Shopping day tomorrow. Then hopefully another NSD on Thursday.

    That's a shame PMO2, but I feel spends like that are unavoidable and should be exempt! The perils of parenthood.
    Wannabe debt free by 31/12/2022 - Wannalose 3st in the process - 6lbs off so far
    8 x £2 coins (#32) - 6/12 NSD in January
    • LLM2018
    • By LLM2018 9th Jan 18, 10:56 PM
    • 27 Posts
    • 118 Thanks
    LLM2018
    #10 checking in.

    Yay, had a productive day tidying the house, laundry and batch cooking three different meals as well as making pancakes from scratch, I'm 30 and have never made pancakes lol. So my total is now 4/12 NSD's
    Last edited by LLM2018; 09-01-2018 at 11:03 PM.
    Debt cc £2494
    #21 Make 1% challenge 6/100%
    #78 PAYDBX '18 £154/2494
    #6 Crazy clothes challenge £10 per month only #10 NSD January aim 5/12
    #19 Surveys pay for Xmas' 18 Jan: £2.50 # No buying unnecessary toiletries January '18 7/62
    • Deb70
    • By Deb70 10th Jan 18, 8:53 AM
    • 1 Posts
    • 2 Thanks
    Deb70
    I'm going to go for 12 in January
    • fatrab
    • By fatrab 10th Jan 18, 9:33 AM
    • 125 Posts
    • 258 Thanks
    fatrab
    Spend day today.


    But I have thought of a few exceptions that I'm going to apply on NSDs


    1. Fuel for business mileage as I claim this back at the end of the month. I usually fuel up on a Sunday and a Thursday which are the days immediately prior to travel.


    2. Breakages or losses of essential items.


    The clip on the dog's lead broke last night, luckily today is a spend day anyway, and after PMO2's bus pass issue I think certain exemptions need to be in place!
    Wannabe debt free by 31/12/2022 - Wannalose 3st in the process - 6lbs off so far
    8 x £2 coins (#32) - 6/12 NSD in January
    • Regency1
    • By Regency1 10th Jan 18, 1:10 PM
    • 13 Posts
    • 28 Thanks
    Regency1
    5 in a row!
    What a difference joining this thread has made - I am now obsessively NOT spending! NSDs from Friday to today and I actually made money on Sunday by returning a top that looked awful on me!
    It helps to have no plans for Jan and to be on a no chocolate crusade.

    I'm hoping that the rest of this week will also be NSDs but then will have to spend at the weekend as I am almost out of shampoo.

    Keep up the good work everybody!
    • Purplemumof2
    • By Purplemumof2 10th Jan 18, 7:49 PM
    • 5,548 Posts
    • 20,203 Thanks
    Purplemumof2
    Evening,

    Had a NSD today so back up to 5 again.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6900.00 Cap 1: £467.97 BC: £6900.00

    AFD 4/14 NSD 9/17 LTW 10/17
    POAMAYC 2018 #041 PD £878.17/£4000
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Captain Bluebear
    • By Captain Bluebear 10th Jan 18, 10:33 PM
    • 199 Posts
    • 707 Thanks
    Captain Bluebear
    I hit my 4th NSD today. not my best start but hey ho!

    Blue
    LBM Dec 15 £5,629 paid £2740 in 2016

    PAYDBX17 #66 £2889/£2889
    Debt free on 31/10/17!!!


    Jan NSD 4/12---- Jan LTW 6/16
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