📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

September - The NSD Challenge

Options
1232426282965

Comments

  • ilovetea
    ilovetea Posts: 1,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    9-10
    hi,
    didn't manage a NSD but will have one tomorrow,don't need anything and the weather is still to bad to go out,unless you really have to.Could be a lot worse,I've seen pictures of the floods,hope everyone is alright.
    ilovetea
    Make £2024 in 2024 £1161.08
    Declutter 2024 things in 2024 1522/2024.
    NSD's in August 11/20
  • lilmissmup
    lilmissmup Posts: 6,884 Forumite
    15-16
    Didn't manage a NSD, i volunteer at a cats protection league charity shop and ended up buying a gorgeous ginger cat cookie jar and tin with cats on.

    Then a burger from McDonalds!

    Tomorrow will defo be a NSD though! :o
    Now a SAHM trying to earn some spare pennies each month
  • Lelc
    Lelc Posts: 558 Forumite
    9-10
    Apart from the few groceries, nothing for me today. Makes it 4 nsds this week. I'm hoping not to spend anything tomorrow either. Dh, ds and dd are due home tomorrow night so I should make an effort to make the house look like I've not spent hours in front of the telly or on the internet;)
    Proud To Be Dealing With My Debts - DFW Nerd 323
    Debt free date - January 2012
    Mortgage free date - November 2013
    Cross stitch cafe challenge member no 16
  • Lula-Hula
    Lula-Hula Posts: 7,868 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    11-12
    Hello

    Hurray hurray its NSD 4 for me today :)

    Achieved by only leaving house for 1/2 hour to whizz down to library ;)

    lula x
  • I've had a NSD - and I've only just realised it. Yay!
    :p I'm the only gay in this forum :p
    *Everybody wants prosthetic foreheads on their real heads*
  • 5-6
    NSD number three!!
    The only thing worse than smug married couple; lots of smug married couples.
  • 15-16
    piglet6 wrote: »
    Having just achieved the July challenge (5) and spectacularly failed the August one (3 out of 6), I had said to myself that I wouldn't do September...but I've changed my mind and would like to set 5 days again as a target.

    I've worked out that even though I failed in August, the main two reasons were:

    1. Buying fresh milk. We tend to get through 8 pints every 3 days (Mr P is a tea addict!), so I tend to buy a 4pt carton on 2 out of every 3 days - which greatly reduces the amount of potential NSDs available to me (although on occasion, if the milk has a long date, I have bought 8pts at one time to try and avoid this problem!).
    2. Buying yellow sticker foods. I walk home past an M&S Simply Food and a Sainbury's Local, both of whom have some pretty good reduced bargains at the end of the day. Being a MSE-er, I pop in for a look, and if something is reduced to a good price, and can be frozen for future use, I pick it up there and then.

    I have no intention of stopping either of these practices, as I can't stop buying milk, and it seems daft to not take advantage of a bargain (quite often 75% off) for the sake of being able to call it a NSD. However, quite often these are my only spends, so I am going to try and count "proper" NSDs, but also keep an eye on "milk only" days and "yellow-sticker only" days. I won't count these 2 types of days in this challenge, but I think it will give me encouragement - I know for a fact that even though I failed last month's challenge, I still spent lots less than normal, as several of my days were just "milk spends" or "yellow sticker spends" on the way home from work.

    I hope this is acceptable to people on this challenge. I may well officially fail again this month, but at least I will have a record of why... ;)

    Piglet

    I'm not sure what counts as a spend. I spent on Stardrops and lunch which as it is essential spend can't really count can it?
    No longer half of Optimisticpair


  • nickynoo08
    nickynoo08 Posts: 1,860 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    17-20
    Yay another NSD for me today. Had to buy some milk but my lovely mum got it for me instead.
    For me an NSD is what is says- no spend, i include everything in that, busfare, grocery essentials, pocket money, if its coming out of my purse then its classed as a spend regardless of how little. Does everyone else do this too?
    £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 - £20
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Spent a fiver on a space at a carboot sale but made £42.80. Strictly speaking, not a NSD so I won't count it!
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • 13-14
    nickynoo08 wrote: »
    Yay another NSD for me today. Had to buy some milk but my lovely mum got it for me instead.
    For me an NSD is what is says- no spend, i include everything in that, busfare, grocery essentials, pocket money, if its coming out of my purse then its classed as a spend regardless of how little. Does everyone else do this too?

    I look on it the same way. Only exceptions are regular payments/DDs coming out of bank acct. These don't happen on a Sunday though! I wanted to try for a NSD but like you had to get some milk and had to fork out myself!

    I'm going to try for 3 NSDs next week. In the past I've done this regularly but wonder how far I get now I've talked about it?
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.1K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.