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October - The NSD Challenge
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Well its a NSD today - yesterday wasn;t as we went out to lunch but it only cost us £9.99 for four as they made a complete @@@@@ up and so didn;t charge us for any of the food !!!0
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I had today planned as an NSD - but my mum bought a portable TV for my boyfriend this morning at a car boot (practically brand new and only cost £4!) - so I've given her the money for that! So at least it's a low spend day, if not a no spend day!
I'll have to get my skates on to make my target of 20 though!0 -
Well I'm declaring today a NSD. Didn't spend anything this morning as went walking and I'm not going out for the rest of the day so thats it. NSD number 6.'Proud to be dealing with my debts'20p savers= £158.00 :T DFW Nerd #1061Nectar points 3514 Boots Ad Card £21.3031/01/10 Loan 1 = £6058, Loan 2 = £8896, Caravan Loan = £12980, HSBC CC = £0 :j Car = £0 :j, Loan 3 = £2490, Overdraft = £0 :j0
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Hi All,
Another NSD for me today (not going out anywhere so I'm safe to say that now). Almost succombed to going out for lunch - so glad I didn't now.
I have to be honest and say when I joined this challenge I thought "what a doddle". However, its proving to be a real hard challenge for me! This is definitely a challenge I will be sticking with for a long, long time. It was the thought of this that stopped me going out for lunch - and to be honest I couldn't really have afforded it anyway - so thank you for this challenege!Debt free and Keeping on Track0 -
I am declaring today as my 6th NSD as not planning on going out.
I have the lovely dentist tomorrow though and need to buy a few bits so tomorrow will not beNow a SAHM trying to earn some spare pennies each month0 -
Woops, I've been forgetting to check in!!
Well, Friday & Sat were NSDs (no.s 3 & 4)
Today I paid £2 entry to do a bootsale (OH went halfs) thou I did make £9.65, so a £7.65 profit.
Will have to pay OH for my half of a top up of shopping to keep us going til 'big shop' tomorrow. So a spending day for me.Debt Free as of 17/01/2009 Turtle Power!!
EF Challenger #3 £1543.72 / £5000
MFW 2024 #100 £1300.00 / £10,000
MFiT #40 Jan 2025 Target - £99,999.00
Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.980 -
hiya
today will be nsd no 4. well i hope so anyway.0 -
I've had a spending day today (Tesco weekly shop) but, good news... I've sold my car!
No more high insurance costs, petrol, tax, garage work... YAY
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NSD number 10 for me today:D , tomoro will be one too. Gotta go to town but only popping to the bank to pay some money in. Must admit i've been extra careful with my planning this month for food etc...to make sure i have as few spend days as possible. Seems to be going to plan so far too:p£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 -
Just made my first
NSD of the month. Hope to do a bit better from now on - I certainly need to!:eek:
Well done everyone on the efforts you are making:T Hope to join you soon - too tempted by the finished baskets thread I think!:rolleyes: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
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