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June NSD Challenge, 2009
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Number 1 for me today as well although I have made plans to spend £132 on some leaflets that need to go to the printers tomorrow so that I can pick them up on Friday:eek:0
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Hi. Thanks BMF for running this thread. I came up a bit short in May, only achieving 8/10 days but I think that's a big improvement on what might have been. I'll go for another 10. It will be hard but I hear that nothing good comes easy.
I'm really impressed with people's efforts on this thread. Can I ask, how on earth does anyone achieve over 15 NSDs?!? Wow! Tips please!
I'm not going to include direct debits or repayments for the mortgage or utilities or credit card repayments but I will include anthing that I have to hand money over for.
Good luck everybody!0 -
Does anybody here know whether I can save this thread or subscribe to it so I don't have to search for it everytime? Help please!0
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Spendy day for me.....
1. Birthday card for my Mum
2. Headache tablets
3. DD's
Drat try tomorrowDebt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot0 -
Does anybody here know whether I can save this thread or subscribe to it so I don't have to search for it everytime? Help please!
Go to the top where it says 'thread tools' and click 'subscribe to thread'
It will be in User CP under 'list subscriptions'
HTH
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 -
Thanks HTH. I'll give it a go!0
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Hope you don't mind my repeating myself, but thought it might help to post these little pearls of wisdom SIZE=1]that'll be the day![SIZE=2 again...or do you think it better in the first post, perhaps with a goodly list of hints & tips ready for next month? Get yer thinking caps on folks---I'm on a roll *enter whip-cracky-stagecoach-cowboy-type of smilie here
* [/SIZE][/SIZE]
"As to what you class as 'spends' is entirely up to you. I am fortunate in that my three are all grown, but can well remember the "I need spanish cuttlefish earrings for cooking" or "I gotta take two quid for my materials project" at 8:03 on a school morning! Perhaps in this case :think: you could put 'X' amount into a pot on a Sunday night to make that a spend day, & take the lunch monies out of that during the week? Technically it's what I do for the milkman & window cleaner, cuz I'm never sure when they'll call for their cash& a complete throw-back to when we used to get paid in cash & had various 'pots' for different bills....Aaaah those were the days
Sometimes I think we were better organised too, because you saw real money as opposed to numbers on a bank statement
Anyhooz, just a[nother] suggestion.....Good Luck!"Something else I've started doing is..if I know I need petrol or whatever, I try to do other spends on that day too. It might help concentrate the mind to what you really must buy but it still takes a [STRIKE]bit[/STRIKE]lot of willpower to not go mad. I guess it's a case of trying different approaches till you find the one helps you the most.Full time Carer for Mum; harassed mother of three;loving & loved by two 4-legged babies.
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Woops, a day late!!
Put me down for 12 this month please!0 -
well yesterday was a spend day and i dont care, me and the thingswent out for a walk coz it was a gorge day and ended up walking in the woods/park for just over 3 hours, so i got drinks for us all on the way home, and then we all fancied a salad for te so had to go get the gibbins, well,must try harder and i will do it this timeIf we can put a man on the moon...how come we cant put them all there?
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Silly prescription has made this a spend day
so I went and got my shopping today as well - hopefully tomorrow I won't need to spend anything now!
Make £2025 in 2025 #18 - £569.66/£2025
1p savings challenge #32 £24.85/£667.95
March - 0/15 NSD, £189.29/£168.75 made, PAD £72/£186, £184.87/£400 GC
Total debts Jan 1st £11706.68 😭
Jan 29th £11354.92
Mar 1st £11015.300
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