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A ginormous jump into 2012 with the January NSD challenge

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  • Still not a penny spent in 2012 :j:j (other than bills I hav no choice to pay :rotfl:)

    Hoping today will be NSD number 11 will be a test though seeing as I have to go into town x
  • Just a flying visit

    QueenB, thank I will ask at the chemist, see if you can get it iver the counter.
    Kerri, thanks for looking, yes it is the 3,6 & 9 I need (well ritalin would be helpful, but apparently it's my parenting that's at fault :mad: (funny how my other 2 dc are fine)).

    I'm absolutely bricking it. First proper day at work for 3 years - Jan 7th 2009 to be precise (RIP Woolies :(), and I am very very scared!

    On the plus side should be an nsd.
    Clean credit file:12 mths
    Car loan: FREE! :j
    THE PLAN: 1.Pay off debt £8808.42(£3254.45, £1570.32, £2698.33, £0:dance:, £1000, £285.32) 2.Save monthly for Christmas/insurance etc £150 per month 3.Save for emergencies /£1500 4.Save for our B&B £????depends which one takes our fancy :D
  • Just a flying visit

    I'm absolutely bricking it. First proper day at work for 3 years - Jan 7th 2009 to be precise (RIP Woolies :(), and I am very very scared!

    On the plus side should be an nsd.

    Good luck for today.

    And jinty pleased that you got stuff sorted out at work and that you're feeling better about it.
    Ninja Saving Turtle
  • Hey people, just wondering, if i withdrew my ebay money from paypal and paid if off my credit card...would that count as a spend? I dont want to count it!!
  • cw18
    cw18 Posts: 8,630 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hey people, just wondering, if i withdrew my ebay money from paypal and paid if off my credit card...would that count as a spend? I dont want to count it!!
    depends on your own personal rules :)

    as I count the day I pay for something using my c/card as a spend day, I don't count the day I pay my c/card bill
    Cheryl
  • *Mari*
    *Mari* Posts: 473 Forumite
    Debt-free and Proud!
    Still feeling poorly :( so will be another NSD today :) so declaring NSD no 6

    Wannabehermit - Good luck for you first day at work :D

    jinty - glad you have sorted things out with your supervisor at work :)

    Have a good day everyone

    Mari
  • Declaring NSD#9 for yesterday and it makes me up to 5 in a row, which beats my target :) I never thought I could go five days in a row without spending. I have to say my bank account looks much better for it. I actually have money, it's the beginning of January and two days until payday - unheard of before :T
    :T:TOooo, yay! Well done!:T:T

    .....hang on....

    Spend, woman, spend!! ;):D

    ...and, ahem, I fell of the wagon a bit....quite a bit actually....well, when I say 'fell' really I mean skydived off the edge over a large cliff...:o Soooooo *sucks in breath* no NSDs for me...not today either.....

    *slinks back to the drawing board*
  • woohoo!!!7 NSD's so far... nearly half way there :j

    it'll proberbly be 8 by the end of the day, cause i got my knees injected with steroids yesterday:eek:, so i can't see myself traipsing upto the shops today :o

    can i be put down for 5 in a row??? think i'll be able to do that after my next trip to the shops, getting a lot better at this... err at least i'm not getting cold sweats and shakes cause i haven't been to the shops :rotfl::rotfl::rotfl:
    NDS Feb 2012 - 17/17
    Feb 2012 GC - £97.63/£380
    SPC # 1584 & Frugal Living Challenge 2012
    £2012 in 2012 £120/£2012
    £365 in 365 days 2012 - £56/£365
  • cw18 wrote: »
    depends on your own personal rules :)

    as I count the day I pay for something using my c/card as a spend day, I don't count the day I pay my c/card bill


    Well I dont really have any personal rules, as this is my first month i've pretty much gone with any day I've spent anything, including bills as they are all on the 1st anyway but im not going to count it, it was ebay money anyway!!
  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    :T:TOooo, yay! Well done!:T:T


    .....hang on....

    Spend, woman, spend!! ;):D

    ...and, ahem, I fell of the wagon a bit....quite a bit actually....well, when I say 'fell' really I mean skydived off the edge over a large cliff...:o Soooooo *sucks in breath* no NSDs for me...not today either.....

    *slinks back to the drawing board*

    Ohhh Missus Knitty, I thought you had gone very quiet for a while.
    And when Missus Knitty is quiet.....the outcome can never be good :rotfl::rotfl:
    Come on - you're no fun to race with :( There's chocolate at the end of January!!!!!!!!!!!

    And stop drawing cartoons on that drawing board and start devising a list......
    You know how you love a list :D
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
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