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Marching on in March - The NSD Challenge

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  • jintyb
    jintyb Posts: 1,762 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    kerri_gt wrote: »
    Afternoon all!



    Am thinking about amending my NSD rules a bit and would appreciate some input. We drink a lot of tea in our house, and therfore use a lot of milk. Currently I count any card/cash spend as a spend day, but I was thinking that I might exclude milk purchases - so long as that is the only thing I buy. If we need it, we need it - I don't have anything to substitue it with and don't really drink much else apart from tea. What do you think - is this cheating or allowable? :think:

    I think it is allowable! However, if it would make you feel better, on a spend day, why not put what you spend on milk over the week in a separate purse then it wont be a spend IFYSWIM!
    Thanks for the product review re the cotton sheets, the minute you said they were a pain to iron, I dropped that idea! 50/50 is what I use ATM!


    you will always be rich enough to be generous.
  • lauzellen
    lauzellen Posts: 328 Forumite
    Today was a spends day as had to post some ebay items and got the food shop in.. I forgot to get some ginger tho so have put the money aside now ready to buy it so it won't count as a spend when I get it either tomorrow or Thursday. Both tomorrow and Thurs should be NSDs fingers crossed :cool:
    Daughters Sealed Saving Pot - start them young :money: £90 :T
  • burge23
    burge23 Posts: 74 Forumite
    NSD 2 At last! Tomorrow won't be as the car is on diesel fumes :eek: heading to petrol prices now!:)
  • beanielou
    beanielou Posts: 95,639 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Allow it kerri~good idea from Jinty
    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.
  • Lucy1010
    Lucy1010 Posts: 362 Forumite
    nsd 9

    :)
    Debt Bust LBM 01/01/2013 - [STRIKE]£11,115.28[/STRIKE] £10,593.81


    Debt free date: Sept 2014 :beer:
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Number 12 for me today :)
    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
  • romylou_2
    romylou_2 Posts: 432 Forumite
    100 Posts
    Hello

    Number 12 for me today:j

    Woohoo I've been a saint. Will definitely hit my target this month;)
  • dmb_2
    dmb_2 Posts: 330 Forumite
    No 5 NSD please. Thank you:)
    DeeBee
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    Can I claim No. 4 please.....and be allowed to go and buy something chocolatey tomorrow. Desperate for something sweet so going to have another slice of toast with jam.

    Now to my joyful housing strategy assignment :j

    B
    Debt 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: MOB
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Just catching up with some of the posts and i am amazed at how many NSD's some people have under their belt already :eek: i wish i were that disciplined!

    I always seem to blow it in the evening and spend on ebay :o Today however i purposely left my purse in the car so i havent got my card details :p so can NOT spend lol :rotfl:sad times when i can't even trust myself haha! BUT I am declaring a NSD today :D no.6/12 half way there and still have half the month left so this should be easy (famous last words lol)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
    https://forums.moneysavingexpert.com/discussion/6496485/buying-a-little-piece-of-middle-england#latest
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