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Out with the old, in with the new: the January NSD challenge
Comments
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Morning All
First of all deepest sympathy Jinty on the death of your mil, difficult time for you all.
Hi spoon hope you feeling a bit better after a nights sleep. Reached my10nsds...unbelievable.:j:j
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Could count today as an nsd as I am spending but it is my birthday money...yesterday was the big day!!! Gonna have to change my stats:rotfl:
Hoping I will make it to 12 nsds by sunday. What happens on monday then spoon...will there be a new thread.
take care all and thanks for all the support:T"You are never too old to set another goal or to dream a new dream"C. S. Lewis
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Hey guys - sorry that I've been missing for a couple of weeks - the last few days at work were hectic and I've been abit all over the show since. I have taken the other job that I was offered but they made a mistake with the pay amount so it's going to be quite a hefty pay reduction for six months.
I have said to the owner of the shop that if after 6 months she doesn't give me the pay increase as promised I will have no option but to look for another position elsewhere. So at least I have been upfront and I wont feel like I'm being flaky if I do have to move to another job.
Have spent most of this week trying to work out how to tighten our belts further when we are already past the last notch and using the hole poked through with a knitting needle!!!! I think we should be ok for about 8/9 months so time to see if I get the pay rise and if not look for (and hopefully get) a different job (or second job if needs be),
Anyhoo I have been very bad at keeping track of NSDs but I can definitely declare 12 NSDs and possible a couple more but as they are unconfirmable I'm going with 12 so far. Still time to get another 3 in and make target.
All the best
Hazel0 -
I did that a couple of months ago, on the proviso the Whoopsies were something I needed rather than fancied on the spur of the moment / just because they were reduced. Ended up spending very little of it, with what I did spend being spent on days that were spends for other stuff anyway, so haven't bothered since.
Hmmmmm well I used to shop on a Tuesday night anyway so maybe I should just woopsie spot on a Tuesday? Oh I'm so indecisive :rotfl:Will ponder over it during the day and post back later with my decision..........................i thinkCould count today as an nsd as I am spending but it is my birthday money...yesterday was the big day!!! Gonna have to change my stats:rotfl:
Ooooh happy birthday for yesterday ebayqueenWas it a special one??
Emma :dance:
Aug GC - £88.17/£130
NSD - target 18 days, so far 5!!0 -
Morning all
Just a quick update - Now on NSD 17, and really hoping that we can last until Sunday and do our shopping then! OH forgot his lunch today, so will have to spend a couple of ££s in town - I'm not counting that as a spend though because with driving time, he does an 11 hour day and has to eat something! Besides, it's already cost me the 'no shop lunches' in January ChallengePaying off CC in 2011 £2100/£1692
Jan NSD 19/20 Feb NSD11/15March/April ? May 0/15
Sealed pot 1164 it's a surprise!0 -
morning MSE team
glad to report iv met my target, yeeeeeehaaaa
number 10 yesterday.
dont forsee any spends for today, so i mite even make it to 11Moved into dream house - 17/08/12Savings - £600Xmas 2013 - £43Credit card - £2741 :eek:0 -
Made it into double figures! NSD 10 for me yesterday.
So setting a target of 15 was a bit optimistic but I have spent no money on 1 in 3 days this month, when considering at the end of last year I'd got into the habit of buying lunch and having vending machine trips each day I'm very pleased with - thanks everyone.
Initial Mortgage January 2024 - £160,000
Initial Mortgage free date - January 2058
Mortgage as of 1st February 2024 - £159,134.98
Overpayments to date - £79.62
Current Mortgage free date - January 20580 -
Great news on the job bndiI 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 -
Hope new job goes well twistedhazel.
Jinty~So so sorry to hear about your MIL.
Huggles for you & your OH.
Takle care xI 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 -
Will catch up properly later - hugs in the meantime Jinty xx
I hope you're all having a salubrious day
I've just managed to make another OP on the darned mortgage, BUT as I'm at work I'd better get on and do some instead of [STRIKE]being on MSE [/STRIKE]procrastinating all day....
Reporting another NSD yesterday taking my total to 13SHould be another one today too - but dont want to tempt fate
Tomorrow definatley spendy as need diesel and the boys need bedding so may as well do all that together....
Have to say that I am really noticing the difference in the bank account by planning the spending so this definatley works!!
Catch up later have a lipsmacking dayMFW 2011 No. 161 £946.54/£2000 TargetApril 9/15March 14/15
Feb NSD 15/14
April GC £121.00/£130 March GC £127.60/£150I Love my Furbabies :smileyhea0 -
Hi everyone, I haven't officially joined this challenge, but as you can see from my sig, I am trying to get as many NSD's as possible this year!Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20170
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