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Its here.... the first NSD challenge of 2009! January here we come!
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It'll be a nsd for me today, no cash in my purse! Very good for the nsd challenge, rubbish for the sealed pot challenge...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
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Can I please be put down for 12 this month.
ThanksMAY NSD's
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Not planning spending anything today. I've brought in my homemade soup and homemade bread for lunch. Dinner will be ready when I get home and I don't need anything else.
I have bought my son an Ipod but this was his Christmas present which I ordered before Christmas from Pixmania. They failed to deliver so I got a refund and bought him one from Apple instead. So not really a spend.
Have a good day everyone.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 160 -
Can I just ask folks whether you class a day when you buy groceries as an NSD? I know it's up to me how I do it but do most of you class it as a spend day if you just spend your money on frivolities (for want of a better word!) I bought some vitamins on Saturday that strictly speaking we didn't really need so I called that a spend day, but yesterday I bought milk and ketchup and didn't consider that a spend day. What do you all think? Am I doing it right?0
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i class anything ive spent money on as a spend day whether its the weekly shop or not. a NSD for me is exactly that not spending a pennyIf we can put a man on the moon...how come we cant put them all there?
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Just postponed my 12p library fine till next time because I didn't have change and the library didn't either - going out tonight though so still might not be a NSD. Drinks are free after 7pm but am going out at 5. Hmm, can I survive on water until then?!0
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I'm declaring today as NSD no 2/20 - only 18 more to go......
Kessik - the only spends I don't count are direct debits (so basically just rent, phone and bank loan), everything else counts for me since it's obviously a variable figure!!
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i reckon I am well on track for day 2 today
DFW 228 LONG H 68
DFD 2017 :eek:0 -
I'm sticking on three - had to go get stuff for my sinuses, they're killing me today, and bought a bottle of lucozade in the process :rolleyes:The debtWILLbegone - taking it 1% at a time
Grand Total Owed: [STRIKE]£11,000[/STRIKE]£9962 Kicking the evil HBOS card's butt: [STRIKE]£4920[/STRIKE]£4495
1% (£50) at a time member #121 - 11/100
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Hi
I know that it's late can I start - I have only just got back on the computer :-)
I would like to do 10 but never seem to make it - but 10 its is
so far I am on 3 but NYD seems like a cheat
thanks M0
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