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August -The NSD Challenge
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My 1st NSD of the month, the 1st of many I hope!!Only 2 Months to go until I'm Debt free!£2 savers club ~ have lost count!!Loose change challenge ~ £129 banked 20/10/08 don't know what is in the jar!Proud to be dealing with my Debt0
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Second NSD for me - was about to go to buy something to cook for dinner but decided to fish something out of the freezer instead - so chicken and broccoli pasta bake it was - flavoured with NSD!Moved back to Australia March 2010
Mortgage Dec 2010 $379 325 [STRIKE]Apr 2011 $377 009 Aug 2011 $375,279[/STRIKE] Nov 2011 $368 237
OP 2011 $2601.18
Car loan from parents 50.5% paid0 -
Def another NSD for me today, boyfriends coming round to mine so I don't have to leave the house anymore tonight,The debtWILLbegone - taking it 1% at a time
Grand Total Owed: [STRIKE]£11,000[/STRIKE]£9962 Kicking the evil HBOS card's butt: [STRIKE]£4920[/STRIKE]£4495
1% (£50) at a time member #121 - 11/100
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Yey, my first NSD of August today. :j
I took my lunch into work, and had a store cupboard dinner.
Didnt even go and buy chocolate mid-afternoon.
xDebt: just my mortgage0 -
:j YiPpEe, I've done it, NSD no. 3 under my belt :j
I'm so pleased with myself, keeping my purse and cards at home is definitely the way to go. £2 is enough to buy milk/bread/a stash of emergency choc but cos it's in a single coin, I don't want to break it.......sad muppet I know!
Tomorrow I will have to spend as we need milk, bread and a few bits for our holiday in Devon next week, but am going to go armed with a list and stick to it.0 -
Yey, my first NSD of August today. :j
I took my lunch into work, and had a store cupboard dinner.
Didnt even go and buy chocolate mid-afternoon.
x
Well done Amy, just remember to keep planning ahead & you'll have many more happy NSDs.
I'm having my 2nd NSD today & going to try really hard to have another tomorrow - still got £1.91 in my purse
lula x0 -
:j YiPpEe, I've done it, NSD no. 3 under my belt :j
I'm so pleased with myself, keeping my purse and cards at home is definitely the way to go. £2 is enough to buy milk/bread/a stash of emergency choc but cos it's in a single coin, I don't want to break it.......sad muppet I know!
Tomorrow I will have to spend as we need milk, bread and a few bits for our holiday in Devon next week, but am going to go armed with a list and stick to it.
oooh Kittikins,
well done & if you feel like that about precious £2 coins then you should join the £2 savers club then you really will learn to cherish them
lula x0 -
spending on chocolate for medicinal purposes doesn't count.......;)
Our midwife prescribed it for my partner last time we saw her - though a (very) small piece was saved for me
Didn't manage my 2nd NSD - baby stuff needs buying now that it's less than 10 weeks to go! More hopeful about tomorrow though - working a long day so not much time to spend it!Mortgage-Free Wannabe!
Mortgage at start (August 2009): £87,000
Current Mortgage: £85259
Mortgage-Free date: August 20340 -
I had a spend today but knew I was going to coz it's slimming world day for me. I took £10 outta the bank and spent it on slimming world/£forlb challenge and the lottry. Thats it all gone.
I'm looking forward to the holidays being over, being back in routine. I'll be aiming for ALOT more than 7 NSD's. I'm happy with how it's going so far though!Initial Debt July 2020 - £6,772.80
Debt now Jan 2021 - £6,208.21
Overpayment pot - £00 -
Planned an NSD today but had to spend 50p to go to bank and try and resolve mortgage and keep remortgage completion on track (saving £28.95 per day!) - and trying to resolve the £700 they were trying to overcharge me.... Does the 50p count against me? I didn't go shopping!?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/250
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