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The awesomely August NSD challenge
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Whoops. Declared NSD 3 on Saturday but forgot I had to pay my sis for something she had bought for me from L!dls. However, today was an NSD so I won't count it and it will all work out in the wash.
Yesterday wasn't meant to be a spend day as I had planned to only buy stuff for my voluntary job which would have been reimbursed. Unfortunately DH and kids came with me and ended up buying bits and bobs to 'get them through the next couple of days'. :mad: I'd only done the weekly shop on Friday :rotfl:
Still a long way to go but only one more DD to count (28th) and 4 planned shopping days. That leaves me with a possible 17 more NSDs to get if I've counted right.Life is knowing which bridges to burn and which bridges to build! :think:
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NSD NUMBER 5 for me today Mistress Spoon - been to slimming class but that is prepaid - lost 4 1/2 of the 8 pound I put on last week from holiday so very happy at that
Got dentist tomorrow and Betterware delivery on Wednesday, but I have put the money aside for those, so should be OK for run of 3 more NSD's Tuesday, Wednesday & ThursdayMr 3Dogs 3-7-12
3Dogs'Mam 31-3-13
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Great loss 3Dogs.
Can I please ask how Ann is?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Well it was definitely a spend day today. I went to Morrisons and was supposed to be buying potatoes and cheese
I did buy these two items along with a cake, some penguin biscuits, 4 small trifles and some bananas.
I actually spent £10.22 so I'm really ashamed now, and my children want to eat all the goodies as soon as they come into the house.
Oh well still stuck on 5 NSD.
Hope everyone else is doing sooo much better.DMP member no 390
Start date August 2010 - End date June 2019 (but working on it) Now down to September 2018 - now August 2017:j0 -
Yesterday was NSD #5 - yippee!!!!
Half way through my NSDs already and over half the month to go!!! Hope I can continue like this!!!!
:j:j:j:j:j:jDebt Jan 2008: £45,566. *** June 2013: DEBT FREE! ***
Paid back just under £50,000 due to some interest added.
Dealt with my debt through a Step Change (CCCS) DMP.
DMP Mutual Support Thread Member #240.0 -
today was a spend day, nearly £27 actually
but after staring at the hall stairs and landing for 10 months with ripped wallpaper, drawn on and lumps knocked out of it (bleedin kids) :mad::mad:
i thought !!!! it and went to b n q and by weekend it will be stripped, filled sanded and painted
i should make them do it:D
and i will be feeling less stressed
but i think this glass of vino in my hand will also make me feel less stressed :rotfl::rotfl:If we can put a man on the moon...how come we cant put them all there?
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Out of interest, do any of you find you spend more or less when you have a spendy day after a NSD? Or do you tend to stick to what you budgeted to spend?
Personally, I think I am thinking more about what I spend on a spendy day as I have to plan a little better - but I'm yet to see whether I'm saving any more above and beyond my budget - guess I won't really see this month after I pay for my alloys to be de-scuffed...Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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NSD number 6 for me today.
kerri gt, i find that i now plan which days will be spend days as far as i am able to do that. There will always be unexpected expenditures but i try to get my necessary spends done just 2 or 3 times a week. If i see lots of offers on things i would ordinarily buy then i just forget the NSD challenge because it is going to save me money in the long run. For the most part though, the NSD challenge really does challenge my thinking when it comes to spending and it works really well for my family.Grocery Challenge for October: £135/£200
NSD Challenge: October 0/140 -
Now I'm planning NSDs I think I spend more on a spend day
However I seem to be wasting a lot less in the way of groceries, as I'm having to meal plan in order to attain my NSDs. I'm also being tempted by 'Whoopsie treats' a lot less as I don't want to lose an NSD for the sake of a cake or two.
These factors actually mean I've been able to stockpile some items and still not struggle for money at then end of the month, despite giving DS the monthly dependants pension of £130 in June and July (which is officially his anyway, but has been going into my bank to help cover 'his share' of the bills) so he can get things he needs for starting Uni next monthCheryl0 -
No more NSDs just yet, money out of account for prescription charges today, and will have to spend a bit tomorrow as well. Wednesday though looks a distinct possibility as I will be safe at work running my arris off for 12 hours with not a shop in sight. Then Thursday it's hairdresser day, so Friday is the next potential NSD. Daren't look any further ahead as we are orf on our jolly old hols on Sunday for a week so muchos spendios will be happening. One thing at a time, though, a quick dash round the threads before heading for Snoozeville USA.One life - your life - live it!0
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