Out with the old, in with the new: the January NSD challenge

The_Dragon

Claiming today as NSD 12 - no on-line purchases and the only thing I need to do is post a small parcel but I will do that tomorrow when I have other spends

castri09_2

another no spend for me today so 4/10

madras79

reporting nsd9 i hope i can have more this week

lotti379

Feeling a bit glum...

As you can see from the sig, my main MoneySaving resolution was to stay out of my overdraft... at least until September, as then the money situation changes again! And I was doing so well, worked out the other day that if I was REALLY careful, I'd end January in the black (for the first time since I got an overdraft facility... And good going I thought as a) I normally get down to about -£300, and b) I had improved a lot in December but still was down to -£168).

BUT now I have to go into uni at peak time on 4 extra days that I hadn't planned for, it is all part of the expense of studying still but it's just annoying! Which means, even by raiding the car savings for one thing (sponsorship money I MIGHT get back, for a race I can't do anymore... cue further glumness ), I will still end the month in the red. Not by much, and I know it really isn't much compared with what some on here are facing, but I was soooo proud of the prospect of meeting my target!

Added to the fact I really want to start saving, if nothing else to pay the wonderful bank of Mother back for the help she's given me this year after the bank refused my postgraduate loan at the last minute... I just feel a bit poo frankly!

Sorry, rant over (I know it isn't much to rant about really...)

donna_dynamo

Hi all nsd number 10 today woohoo reched my target. Can i please set a new target of 14. Just spent 280 odd pound of my 1000 worth of tickets money which i won. Very nice to be so casual about spending such a large amount of money. Still got 700 pound to book.

martafdz

lotti379 wrote: »

Feeling a bit glum...

Cheeeeeer up!!! :j

Have a look at weekly tickets and savers, they do make a difference. put yourself a mental target now and aim this month not to go to the dreaded 3 digit overdraft and keep yourself under -£100. It will always be better than going back to your previous -£300. In fact, you should be jumping in happiness like the little smiley up there, since you have cut your expenses so much in the last 3 months and you have gone from -£300 to -£168 and now hopefuly less than -£100. It is £100 to £150 better each month!

Try to cut money somewhere else, or make money! Have you thought of selling on eBay some old clothes or those Xmas pressies you rather just sell than keep? Lol I have made this week £15 with clothes, not much, but better than nothing and at least my wardrobe it will be less cluttered.

I went back to Uni last year to do a Postgraduate and I could not have a grant or a loan, since my Degree was from 2004 and abroad, so no luck. I had to apply for a loan (that I am still paying) and then my wedding came and cc maxed out! Just focus in one thing at a time. Now the overdraft, slowly out of it. Once you get your account in black, some savings to pay your mum and have for emergencies.

Don't be dowwwwwn!! Everything is good! Your account is in a better shape than last month, so that is positive. You will end up the month with less overdraft used, which is also good. You might have not been accepted for a PG loan... but you were accepted for a PG study!!! The other way round would have been worse! So smile, at this rate of saving £150 per month, you will end up the year in the £1500, see? It is all good!!

:T

Btw, no nsd for me... grrr... I went to buy the envelopes for the eBay items and.. I saw some plastic shoe boxes at £1.99 for 3, and a book for work... and I just bought them! So I spent £4 over what I should have spent. But I managed to leave behind 2 recipe books that I had already piled up in my hands, a notebook and a filing case that I do not need. So not so much damage...

beanielou

Hey gang.
Really tired today.
Anyway NSD no 15 today.
Can I please increase my target to 20 please Spoon / SF.
Thanks.

slowlyfading

number 12 for me today

Wee_Pilsbury

Evening all

Quickly jumping in to grab NSD 12 :j

Only 3 to go and I might even have to have a 2nd target

Muchas gracias again to the girls for keeping this going - totally fab :T

katenut

NSD number 13 for me today xx