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August -The NSD Challenge
Comments
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There's five days left of August yet?
Managed another NSD, doing this has made me take my dinner to work everyday which I think this month so far as saved me £80! :eek: There's a delcious sandwich/lunch shop right next to where I work but it's £4/£5 a day. I can't belive how much money i used to spend there.
My month runs 29th to 28th each month as thats when I'm paid:D
HWGA xxlost 3stin 4mnths GC nov£90/£51.65 July£100/£97.67 Aug£90/£18.59LBM Nov05 Loan £4910.65 Paid April07 sealed pot challenge#256Nov06 CC £2,590.56 Paid aug07 + Savings07/08 Night Owl 22#Mortgage £87,000/£84,000/ £82,261.00/£81,785.30 £80,268/£75402.00/£71229.15 DFW NERD 987 Long Haul member 125 debt free 24th aug 070 -
I've just had my 6th NSD..... don't think I will reach my target 8.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.6K Net savings after CCs 14/8/25
3) Mortgage neutral by 06/30 (AVC £25.6K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.4/£127.5K target 24.6% 1/9/25
(If took bigger lump sum = 53.3K or 41.8%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 29/7/250 -
ah well, it will be a mega spend day for me today,
got to buy DS school pant and DS/DD1 school shoes and pumps coz they go on tues :j:j:j:j:j
and DD2 needs new trainersIf we can put a man on the moon...how come we cant put them all there?
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YAY i've managed 14NSD so far this month and theres still 5 days left inc today so i reckon i'll manage 17NDS for the month. Have all ready started planning my spendings for next month so hopefully with all of my prior planning i should be able to have 20NDS next month. Heres hoping anyway.£387.39/£196.46
Pay my debt by End of Feb 2022
49.28% paid!
£199.55/£500 savings by End of April 2022
39.91% saved!
Make £2022 in 2022 - £200 -
Managed 3 NSD last week so up to 6 now
but my car is needing some major work so thats £400 more debt 
Official DFW Nerd Club - Member no. 1021 - Proud to be dealing with my debts.0 -
YE HA ..............
Another NSD for me today:T :TSave 1500 - (Monzo Card Pot by Dec 2021) 1020/1500
12 NSD MAY 3/12
Lose 21lb by July .......................4 /21LB0 -
had my 10th nsd today.0
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Yay, managed NSD no. 8 today! Really had to push myself to avoid going to the shops today - I got as far as leaving the office, but made myself turn right instead of left towards the shops, and went for a walk instead!
It's Cheshire Cat time now as that's 8 out of 8 for me this month Mortgage-Free Wannabe!
Mortgage at start (August 2009): £87,000
Current Mortgage: £85259
Mortgage-Free date: August 20340 -
Not a penny left my pocket today
Rather pleased with myself as posted business parcels and was in town, desperately wanted a bottle of fizzy juice but resisted, woop!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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Another one for me today - that's 3 in a row!0
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