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No Spend December?!
sel_chick
Posts: 24 Forumite
Having bought all but one of my Christmas presents (should manage to get the other one tomorrow) I would like to make December as much of a No Spend Month as possible. 
I will have to spend £35 on paying for Christmas items that I bought at a recent Avon party (when they turn up in the next week or two) - but am considering removing this money from my account and placing it in an envelope in advance.
My only other spends should be my end of show party (which will be about £10) and my Christmas night out (about £20 including train/taxi fares!).
Does anyone want to join me in December as a No spend Month? (or just offer some encouragement?!)
I will have to spend £35 on paying for Christmas items that I bought at a recent Avon party (when they turn up in the next week or two) - but am considering removing this money from my account and placing it in an envelope in advance.
My only other spends should be my end of show party (which will be about £10) and my Christmas night out (about £20 including train/taxi fares!).
Does anyone want to join me in December as a No spend Month? (or just offer some encouragement?!)
Debt @ LBM - Nov 2008: 10,042 Jan 2009: 9,774
Dec NSD: 22/20
Pay off £10k by Dec 2009 (#102): 226/10,000
Sealed Pot Challenge (#341): £300 (but as much as possible!)
Dec NSD: 22/20
Pay off £10k by Dec 2009 (#102): 226/10,000
Sealed Pot Challenge (#341): £300 (but as much as possible!)
0
Comments
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HI SelChick - you could perhaps join the NSD challenge for December and just put as many days down as you think you will do. You will then be part of a ready made support group - just a thoughtAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 13/9/250
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