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August -The NSD Challenge
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If it's a spend that's a) already budgeted for and b) unavoidable e.g. daily bus fare and daily cup of cheapo coffee in the work canteen (sometimes you have to buy something so that they allow you to eat your homemade sandwiches there!) does this still count as an NSD? (Please say yes..!)
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After attempting a NSD I had to get a crank for my bicycle. Though it works out much better in the long run, means I can ride my bike rather than drive, much greener and saves me on petrol :-D0
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nearly had a NSD till I dropped a pint of milk on the floor not before it hit my big toe..so am still hobbling around with wounded tootsie toe and am 76p worse off because I had to get some more never mind tommorow is another day will try again.:rotfl:BSC no 192
I know sometimes you feel so helpless/you cant go on/so isolated, well you need never feel that way again as a simple Can you help me please? on here is your first step to that journey of fresh starts, so hello Im Anne, your ? YOU ARE NOT ALONE in all of this, we have all been there, so come join us.0 -
Woohoo! Had antoher 2 NSD days so far this week, finally managed to get on here to update my sig! Feeling rather proud of myself!Crazy Clothes Challenge 2012 - £80.00 / £300 :hello:0
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Right today is definately a NSD day (after my posting then spending yesterday....)so thats 6 now
Now a SAHM trying to earn some spare pennies each month0 -
Had a wonderful day out at longleat with mum and dd, thanks to clubcard deals and mum paying for lunch it was a nsd!Debt free wannabe
Littlewoods - £214.82 (DD set up so 0%)
Very - £100 (0% on BNPL - 1/4/13)
CC - £2600/£3533.53 (0% until 1/6/14)0 -
Managed NSD no.4 today finally. Halfway to the target and just under halfway through the month so I suppose that's pretty good! Don't think I'll manage another one this week though - gotta do the big shop tomorrow because my mum is coming to stay, and we're off to Ikea on Saturday so I can't believe my credit cards will stay snug in my wallet all weekend!Mortgage-Free Wannabe!
Mortgage at start (August 2009): £87,000
Current Mortgage: £85259
Mortgage-Free date: August 2034
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Had a NSD today think the rest of the month is going to be rubbish though as Im going away.0
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Achieved NSD #5 today! However away most of weekend so not likely to be great from a spending perspective. However we are using some free tourist entry vouchers saving approx £36 and staying with relatives (free food) so hopefully shouldn't be too bad!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
Not been online for a few days but having gone to a gig last night, I have had 2 NSD's on the bounce! Now upto 3 NSD's this monthOnly 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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