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Difficult Decison for December; the NSD thread.
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Woot! Managed NSD no.2 yesterday, just budgeted dog food & water bill paid.
Today should be NSD no.3, just my budgeted sax lesson to pay forDebt 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 love reading thru the posts on here
Folk start off all keen & gung-ho at the beginning; a few days in they start to question what is or is not a Spend & end up justifying their decision one way or t'other. It really is a form of therapy! As long as it helps in the greater scheme of saving money & making what's left work to its full capacity...that's all that matters. It's a wonderful bonus that we can have a bit of fun while in the process
Went to a mahoosiff hyper-market yesterday & forgot to take an insulated bag, which was probably a blessing in the end. The Store is a good 50mins drive from us & on the way back an accident reduced traffic to a drizzle :embarasse It must have literally happened 3mins in front of us cuz the blue-lighters had to get thru the rush hour traffic behind. I was a passenger SIZE=1]but still don't [U]like[/U] to look[/SIZE & as we passed, it looked like a shunt-up-the-boot type as opposed to anything too serious thankfully. So! The reason for my ramble is..a spend day for me again as I must get some veg, milk & such.
Full time Carer for Mum; harassed mother of three;loving & loved by two 4-legged babies.
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Darn it, ended up spending last night on pizza! Completely my fault as I begged DH to pop in shop on his way home from work.
Today is DD1 Christmas Fayre so I'm not very hopeful for a NSD until Monday now - Bah!0 -
Will be wrapping my Christmas presents with the reduced wrapping paper I bought in January Sales and with the Christmas Cards too.
Just working out what I need for the Christmas Food Menu Plan
TrishaIt is far better to know nothing than to not know
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I don't have any reason to go out today so I think I shall stay in and thus manage a NSD. I really should stay in anyway seeing as I have lots of Uni work to get done, and while i'm at it I shall get some clothes into a bucket of vanish. Yes, productivity not spending. Good plan.On the up
Our wedding day! 13/06/150 -
Have blown my attempt at a nsd today (and also my lunch challenge) went and bought lunch since I'd left mine at homeThe 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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Definitely a no spend day for me today..the power was off all night and most of the day so I didnt shift myself out of bed til about 13.10 when the power came back on..joy of joys I was able to make a hot drink:D Need to spend soon though as my washing machine has decided to pack up when it was full of washing:mad:0
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I love reading thru the posts on here
Folk start off all keen & gung-ho at the beginning; a few days in they start to question what is or is not a Spend & end up justifying their decision one way or t'other. It really is a form of therapy! As long as it helps in the greater scheme of saving money & making what's left work to its full capacity...that's all that matters. It's a wonderful bonus that we can have a bit of fun while in the process
I love the thread, as it really makes you think about what you are spending on. People might still end up buying the choc bar or magazine or whatever, but they have thought long and hard about it Even if they end up spending, they usually end up buying only that item, and not a basket full of useless stuff & treats.
It makes you realise what you can & can't live without. (I'm running out of tea!! :eek:)
I've kept to my NSD today, so number 3 reached. Just 17 to go!! :eek:
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 -
2nd NSD of the month today. I won't have a chance to go out and spend anything for the rest tonight as I have a new printer/scanner to set up (early chrimbo pressie from :santa2:) mind you the way it is looking at the moment I won't be spending tomorrow either as I'll be tearing my hair out trying to get this thing to work!All the coffee in Columbia won't make me a morning person...
Virtual Sealed Pot Challenge Member #5 - £128.19
NSDs - April 9/18
Grocery Challenge - April £22.94/£160
6 months to slim into clothes challenge - started March 2010
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This will be 4th NSD of the month!2019 fashion on a ration 0/66 coupons0
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