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Roll up, Roll up! November - The NSD Challenge....!
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At last, after days of having to spend (and yesterday when I spent a lot more than I had intended:rolleyes: ), I have had an NSD:j0
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Another NSD for me so half way there for the Dragon!Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup
NSD 15/20, OS WL 21-6 (4)
C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
Every Penny's a Prisoner
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hiya, sorry not posted in a while. Ive managed 4 nsds so far. Was doing well today until i went into the charity shop :doh:0
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Another NSD for me today. Not having one tomorrow as am going out for lunch but will try keep the spend to a minimum.Debt free and Keeping on Track0
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Second NSD today !!!!0
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Third NSD today.... and MiL gave me some money for stuff I bought her last week, so I'm in a profit today! 'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0
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NSD 3 for me, keeping away from shops works a treat
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NSD no. 5 for me!
I need fish food tomorrow, so going to get a lot of stuff (xmas pressy stuff) that I've been holding out for to make the spend day worth while!
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 -
I had my first NSD today really chuffed as I also had a free night out at the fireworks with family and friends with food included!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
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 £5K updated 10/10/250 -
NSD number 3 for TheBees. Yesterday I needed stamps urgently (to post adverts to the local papers for things we want to sell) so instead of going to the local shop where I knew I'd be tempted to buy other things, I asked DH to buy them for me on his way home. Been at work all day today and on a course all day tom so may manage another NSD tomorrow.
This challenge is really making me think about whether or not I really need to buy things!
Forgot to add that I went on a Christmas shopping spree with my Mum on Monday and although I had to spend a little money on parking and a cup of tea, I bought 4 presents in Boots for NOTHING using my points and this was helped by the fact that the toys were buy two get one free!! I love freebies!
And then the Gas Man came to do our annual boiler check yesterday and he upgraded our timer for free so now we can have the heating and water on at different times on the weekend rather than every day having to be the same!Hoping to retire earlier than 67!0
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