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Its here.... the first NSD challenge of 2009! January here we come!
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Can I join please?
I am going to aim for 10 NSD for January - first time.No spend days for March = 3Money to joint savings 2009 = £100.00Money to personal savings 2009 = £0.000 -
had my first NSD yesterday and don't plan to leave the house today so hopefully should be another one today. That's a good start to the month0
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Yeasterday was a NSD but need milk today, plus we are going to have to get some kind of glue as our 11 year old has half pulled the veneer off the front of our kitchen cupboards.0
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Well, a first spend for me as I had to pick up some wedding items this morning. I think I'll go & do the shopping this afternoon and then tomorrow & Sunday should be no spends again.0
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Had 1 NSD yesterday - strange that LOLAchieve 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 -
Decided against a NSD day today as the pull of Euromillions is too much to resist! :eek: Means I can get beans for tomorrow's tea today instead now though, so will hopefully have a NSD day tomorrow.0
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Haven't managed one today
Had to pop to town, had to pay for parking! Didn't buy anything tho, just had to return some things so £70 going into my account! Yay! Just keep swimming0 -
That should count as an NSD..... even with paying for parking, you're better off than you were when you went into town!
'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde0 -
Hmmmm good point!! I'll wait til the end of the day in case I get tempted to spend!!Just keep swimming0
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Question... as my NY resolution is to find out more about my family and do a proper trace,etc - I have found some software for my Mac which I can buy today but as it is released on the 9th Jan - will only be charged then - if I buy it today and dont spend anything else today can I still class today as a NSD??Well lets see - I dip in and out of MSE all the time but I still come back - have done since 2007!!!
2025 Fashion on a ration - 9/660
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