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Difficult Decison for December; the NSD thread.
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Hey You :santa2: & Greetings! I daresay there will be a continuance in the forseeable & you are most welcome to come along for the ride
We've had folk join up half-way thru for a sort of trial run if you fancy a side-bet?
Basically, it depends on how YOU want to define a 'spend'. Some of us class grocery shopping as an essential spend that doesn't affect their NSD, while others try to buy a season ticket or fill up the petrol tank just once a week to get them to work & count that as a spend.
Personally I don't include dds & paying utilities in this Challenge but groceries I do. I try to do as much as I can in one fell swoop--mainly to help reduce the petrol costs--so if I need to buy fruit for lunch boxes tomorrow, I'll see what else I can pay today to save spending again in the week.
Thank you - I won't include DDs, but I will include groceries and petrol. I fill up every 7-10 days with petrol and I shop for the main stuff every Wednesday. I combine that with my boys going to Cubs - two reasons; one is that I'm already halfway to the supermarket anyway, the second is that I don't have the lads with me so it works out cheaper! I just need to cut out the other spending in between
I'm going to stick my neck out here - three NSDs each week until January 3rd, starting today :rotfl:. That's nine altogether. Wish me luck :rolleyes:
Chris, thanks for the welcome0 -
Had a spend day on sat, bought the final Christmas presents :T
Then on Sunday we bought a new sofa, we were going to get a two seater for £299. But spotted an ex-display corner (4 seater) in the same range, was £399, now £240!! So snapped it upit should be arriving tomorrow.
Also bought our Christmas tree
No plans to spend today, so will be NSD no.11Debt 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 -
Hiya
had NSD yesterday and hoping for another one today..... got food made and don't really need anything else.
Will try for 4 this week0 -
Yesterday was a NSD and I am classing today as one as well (I had to pay for a prescription but seeing as it is for my Epipen and therefore a lifesaver I ain't counting it!)Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup
NSD 15/20, OS WL 21-6 (4)C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
Every Penny's a Prisoner
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Had to spend today - needed to get my prescription (though I intend to claim that back so on it's own I may not have counted it as a spend) and the mr wanted hair gel (he goes through it like no one's business!!) and ciggies (grr) lol. Also grabbed him some pork scratchings as a treat for staying quiet and listening out for the door as i'm expecting a delivery (new phone! Free w/ upgrade mind you!) - bless him!
Could have really done with some bread but didn't think about it till I was nearly back and there is no way I'm going to justify corner shop prices when we normally use tesco value 50p loaves lol!
Need to have a think about what to take into uni tomorrow, may be hanging around there for a long time. (Exam in the evening... which I don't sense going too well)
As for what to count as spends... I don't count DDs, or payment of a bill. I do count groceries and travel expenses (I have a pass for the metro though so fairly rare I encounter these). I don't count spends completely out of vouchers, where no cash has been handed over.On the up
Our wedding day! 13/06/150 -
Just realised sat was a NSD day for me which is a result! Was up in scotland with hubs and due to him having to stay around to work we didn't end up going anywhere!
he treated me to lunch and stuff yesterday! But unfortunately still needed water and a blooming envelope and stamps to send back some cream i had in my hand luggage so was (as planned) a spend day!
Today will be too! coz sunday's are my food shopping days but flight didn't get in early enough to do it yesterday so need to do it today! have also been to boots to get a couple of extra little xmas presents!
Still, one more than I expected this weekend! So no complaints!DMP Mutual Support Thread Member No 261Debt at start of DMP (Jan 2009) = 46,147.86 Now = 36,826.98DFD = [STRIKE]Jan 2014[/STRIKE] May 2013 ([strike]60[/strike] [STRIKE]52[/STRIKE] 41 payments to go)NSD:Nov 12/12:jDec 9/10 Jan 5/10Slowly but surely:coffee:0 -
Today and yesterday both no spends, thanks to this vile weather we have been having. I need to food shop again soon, plus buy last 2 chrimbo pressies for the men in my family (who I always leave till last as they are so difficult to buy for :mad:)
Hoping for another NSD tomorrow, but Wednesday will need to be a spend day or we may well starve
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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No.5 is alive...another one for me today..too cold to go out:eek:0
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Number 6 for me today :j
Am having to plan my week as I must get a parking permit before the 18th (damn the council) and so I am trying to arrange the other bits I'll need this week like electric and dog food for the same day but it is going to be a bit of a juggling act getting the money all in the same place for the same day but here's hoping
DFD Need to August 2027
NSD March 15/20
NSD April 17/15
NSD May 13/15
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Another 2 NSDs!2019 fashion on a ration 0/66 coupons0
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