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Madness, "May"hem & MoneySaving: Welcome to the NSD Challenge
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I have managed only 3 NSD's so far - but as I am ill at the moment with a stupid summer cold I can see not spending for a few days! grrr... what is it with this weather? I have at least decided not to try and work today but actually take the day off as sick and see if relaxing will make me feel better sooner... I am running out of tissues rapidly!Well lets see - I dip in and out of MSE all the time but I still come back - have done since 2007!!!
2025 Fashion on a ration - 9/660 -
Up to no 7 today.£71.93/ £180.000
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forgot my lunch so had to buy some... Must. Try. Harder.Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
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Hi All, wow I have got very behind on this thread -will have to try to catch up.
In the meantime -Spoon I managed a surprise NSD on Saturday, one of Sunday and have topped it off with one today:j, so I am now on 5, which is making me feel quite a bit more optimistic for reaching my target.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
Managed to avoid buying anything when I got a lift up to oh's house today. Back at home now so I'm declaring number 4 for today since I'm going to spend the evening ebayingThe 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 spendy day, doggle treats as I thought, B& err can't remember, but it is a nice cheap shop do a huge bag of doggie treats for £3.99, and it holds 1.5kilos, I cut them up and get four out of each one (how MSE is that???) so it is a good way of doing it.
Mumma liver cake is the thing, did your recipe have garlic, that seems to be the thing, will try to find the exact quantities, I just tend to throw it all in the blender, stand well back (smells disgusting, like rotting bodies I'm told, not that I have ever smelled a rotting body........) then stick it in the oven until firms up, while of course having all the windows and doors wide open, so obviously only something you can make in the summer.................
eh didn't get a NSD to-day, by the way, but hopefully tomorrowMore than Two Years in
Doing it the Niddy way:j:j:j0 -
:rotfl::rotfl::rotfl::rotfl: PDD - I have an image of all your neighbours raising their eyebrows, discussingwhat on earht it is you eat
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Jan10: 28,315.81 Jan11: 18,015.32 Jan12: 7,682.58 Jan13: 2,987.73 Current debt: 1,225.55
HFC [STRIKE]1896.10. [/STRIKE] 225.55 SLC2 [STRIKE]5123.34[/STRIKE] 0 Others [STRIKE]2085[/STRIKE] 1000 Bcard [STRIKE]1172.60[/STRIKE] 0
Mike's Mob0 -
Hi Solvent
Realise I am a bit late starting this month - Broadband has been down for May so far....only back up from today.
Can you put me down for 5.
Thanks,
B
....and I've managed to make today number 1(Big smug smiley!)
BDebt LBM (08/09) £11,641. DEBT FREE APRIL 2021.
Diary 'Butti's journey : A matter of loaf or death'.
Diary 2 'The whimsical tale of the Waterbed of Debt' 48% off mortgage
'one day I will be rich and famous…for now I'll just have to settle for being poor and incredibly sexy'. Vimrod Member of MIKE'S :cool: MOB0 -
A NSD today - easy when you don;t take your purse out !!!!0
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LadyfromVenice wrote: »CW18: Just downloaded your spreadsheet. Took one look at it, put my knickers on my head, stuck two pencils up my nose and said 'wibble'
Seriously though, what a great spreadsheet :T:T:T:T
Would it be possible CW18 to put a link to the spreadsheet on this thread? (If that's alright Solventsoon) in case other NSDers would like to use your spreedsheet. I know quite a lot of NSDers are also on the Frugal Living thread so would probably know about it anyway but those who aren't wouldn't. (Thanks)solventsoon wrote: »
cw18:No problem about putting the link to your spreadsheet on this thread, if you don’t mind, that is... would probably be useful for lots of us (even the spreadsheet-phobics like myself):)
There's a link in this post
Only issue for anyone starting part way through a year, is how it does the calculations.
What I've recommended to people is that they enter a budget figure for the entire year, but over-ride the 'month' in cell A1 on the Totals page - such that the month they start in is month 1. You can either do this by manually changing it each month, or by altering the formula so that it ends with a '-4' if you're starting in May (so it sees we're in month 5, but subtracts 4 from that making it month 1 for you).
This means that the 'budget to date' column is correct for the number of months you've been using the spreadsheet, as it would otherwise give you 5 months worth of money to play with this month
If anyone needs the 'Open Office/older Excel' version and can't face all the editing needed in it, then PM me an email address and I'll happily send you a copy with it all done. It's just that Google wouldn't let me upload it in a complete format due the size of the fileCheryl0
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