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A ginormous jump into 2012 with the January NSD challenge

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  • 14/15 NSDs here. Restless night last night thanks to the wind. Back to work tomorrow. Going to speak about reducing my hours.
  • NSDs #10 and 11 for yesterday and today.

    Thanks.

    Nora.
  • I've had a good day at work and bagged #15.I've also now got my 4-in-a-row.I might manage to make it 5-in-a-row,as I don't 'need' to buy anything tomorrow...

    I'm off now for two days.:)

    spoon the penny dropped afterwards about the gold medal!
  • LuckyLouise
    LuckyLouise Posts: 79 Forumite
    edited 11 March 2012 at 9:13PM
    ** Deleted **
  • Butti
    Butti Posts: 5,014 Forumite
    Part of the Furniture 1,000 Posts
    NSD no. 7 please.

    Won't be one tomorrow as I'm getting my hair cut - going to try out something new. Not a No. 2 obviously.

    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
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So another NSD today.
    So no 19 today & 4 in a row for me :j

    Being skint has it's advantages :rotfl:
    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.
  • solventsoon
    solventsoon Posts: 17,363 Forumite
    Good morning folks from a very wet and windy NI:eek:

    I'm off to my parents today but am very hopeful of an NSD, although will report back later. I also have to confess to being very stupid, as I decided to apply for a 0% purchase credit card last night online. MR T declined, Another said I'd get an answer within 48 hours and of course I was indignant by this stage and at the how dare they decline me etc, so just had to make another application:mad:. And to think that I advise members on the forum not to make any more than 3 credit applications in a 6 month period:o. You would think I should have more sense and having thought about it overnight, am not even sure if I want the card:o. My point is, please learn from my stupidity, although I'm sure you all have more sense. End of rant:rotfl:

    Red
    jintyb wrote: »
    Hey Red, dont beat yourself up :naughty: - there's not one of us on here that hasnt done something they could kick themselves for afterwards!

    Rant away - we're all ears!th_big_ears_smiley_face_poster-p228577874294400473t5wm_400.jpg

    Jinty, you've taken the words out of my mouth!:D

    Red, we're all on DFW for one of two reasons - the first is to get out of debt caused by the kind of thing you posted above, the second is to stay out of debt caused by the kind of thing you posted above. I think there's a pattern there somewhere...

    You rant away if you need to but please don't beat yourself up too much, we've all been there... and some of use could even be there again if we drop the good habits we've all picked up here - none of know what's around the corner.

    Hope you had a good day with your parents.

    spoon xx
    :) The time you enjoy wasting is not wasted time :)
  • solventsoon
    solventsoon Posts: 17,363 Forumite
    beanielou wrote: »
    So another NSD today.
    So no 19 today & 4 in a row for me :j

    Being skint has it's advantages :rotfl:

    And target no 2 beanie, don't forget that. If you weren't skint and on the NSD thread you would never have got your prizes this month:D:D:D:D
    :) The time you enjoy wasting is not wasted time :)
  • NSD 6 for me today, 2 in a row yay, tomorrow wont be ask i am booking a 4 day break for my bday tomorrow. hopefully wed as tues i have zumba and kick boxing to pay for.
    Lose 28lb 3/28lb
    SPC Member 1522/2012-£264/ new pot 2013
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Red~wise words from Spoony.
    I have had a totally stressful week and have been eating for Scotland & have the great desire to just spend spend spend~that will make me feel better yes? :rotfl:Scarey for mehow it would be to be back in old habits so easily.
    & as we all know its like loosing weight~much easier to eat than to loose.
    Much easier to spend than pay it back.
    So dont beat yourself up.

    Spoony~new target of 22 please.Many thanks.
    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.
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