Attack April with An Alternative Approach; the NSD Challenge.

Dorastar

butdoineedit? wrote: »

Dorastar, when i did my SOA it let me put my details into a snowball plan, which calculated how much i should have left each month in my budget & then allocates it to the most expensive debt as an overpayment. This shows you how quickly you can pay off your debts by making overpayments.

I find it really motivating as it has really shown me quite how stuffed i am by the high interest rates on my credit cards!! :mad:

(sorry not the best explanation, hope it makes some sense????? :huh: )

Don't know what an SOA is? Think from your explanation I don't need a snowball now cos all debts are lounging on one card now which is slowly and steadily being overpaid back iyswim. But would be interesting to see how quickly I could pay it off by overpaying

butdoineedit?

Dorastar wrote: »

Don't know what an SOA is? Think from your explanation I don't need a snowball now cos all debts are lounging on one card now which is slowly and steadily being overpaid back iyswim. But would be interesting to see how quickly I could pay it off by overpaying

SOA - statement of affairs (just a budget really), there is a link in one of the stickys on the DFW forum. I used it rather than making my own budget to ensure i didn't miss anything out.

You're right with only 1 debt, a snowball probably wouldn't give you much more than a potential debt free date, i found it useful cos my debt is spread out all over the place & my overpayments were a bit random to say the least!! :eek:

Hope i finally make sense now?!?

Nottoobadyet

Another NSD for me today! There was even free lunch at work as there was a lunchtime talk on. Hoping for another NSD tomorrow..

Go crazy on the snowball calc, Dora, its super motivating!

http://www.makesenseofcards.com/snowcalc.html

Keiss_21

An NSD at last! That makes 6 now :j:j - only 9 left to go!

Tomorrow should also be spend-free, then hoping for a NSD weekend...that will do my totals a lot of good!

Cross with myself yesterday, assumed that I would have to pay at the dentist for DS2 (free to under 18s, not 16s as I thought :j), so I organised doing some other shopping while in town..so could have made it an NSD if I had been more with it! Hey-Ho, lesson learned...at least it was a LSD...only a few bits and bobs were bought. Now no spending until Friday...and even then only a few F&V, eggs and some milk perhaps...really keeping on target this month...says quietly as don't want to jinx it!

Working tomorrow and Friday, so will pop on later in the week.

Choc-addict

2nd no spend day for me today - yay!

JES_F1

It's been NSD #5 today!!!!!!

Worked from home today as had to wait in for gas man ... which means I get loads of work done AND avoid the temptation to part with cash ... even if I do miss out on having a natter with my colleagues!!

:j:j:j:j:j:j:j:j:j

niccatw

Yay, made NSD no. 4 today (made banana loaf instead of nipping to the shop for chocoate wne I wanted something sweet with my cuppa!)

curlygirl1971

saorsie wrote: »

Well certainly not an NSD for me today - no sirree Had eyes tested and 'obviously' there's a change to my prescription :mad: £279.20's worth in fact :eek:
Did get a free eye test though through using a n*ctar coupon saving £27.50 oooooh and 20% off (so they would have been £349.00 :eek: :eek:) and err got an extra 2500 n*ctar points which works out at £12.50 saving soooooooo not complaining too much really - well maybe a little bit

-s-

Hi Saorsie, where do you get your glasses from? Like the sound of that Necter point milarky. I usually go to Specsavers and because I wear my face furniture from dawn 'til dusk I justify getting the frames that I want (within reason - Boots is out of the question!) and also pay out for Thinner Lenses instead of jam jar bottoms. Last time I bought new I think it cost me about the same £275) for 2 pairs on a BOGOF. I had looked into some of the cheaper sites that MSE talks about (GlassesDirect) but I decided that as it was something really important to me I wanted a good range to pick from and to be able to try them on properly - and you just don't get that at the cheaper sites.

Fortunately when I went a couple of weeks ago my prescription hadn't changed for the first time EVER!! So I don't NEED new glasses - however due to wearing them so much I do get quite bored of them so was considering getting another pair as a treat in a few months if I'm a good girl. Had a look in Asda Optician last weekend and their range of frames have improved loads and start at £70 including standard lenses.

Blah blah blah whatever

NSD report - BINGO! Another one for me today And tomorrow is looking good too

Keiss - how is work going? Spoons - how was today? Slowlyfading - how are those bites doing. Damn you must be a tasty bird!

Half way through the month now and how are we all doing in readiness for our BIG NIGHT OUT IN GLASGEE? Picked your outfits? I'm thinking of a multicoloured mini RaRa skirt and flourescent legwarmers......

kathy40uk

5 at last

3Dogs

NSD NUMBER 9 FOR ME Spoon - DH had to go out to help a friend of ours move some furniture but he is in this NSD challenge with me so refused to get some milk on his way back so as not to spoil it - we are REALLY low but I don't use it so I'm OK !!