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The Autumnal October NSD Challenge
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NSD 1 yesterday :jTotal Debt: £0 [STRIKE]£33,043[/STRIKE]
Official DFW Nerd No. 763:jDMP start date Aug 2011~DFD Aug 2013 :j0 -
NSD 3 for me yesterday getting of to a good start this month
FaeLBM 29/10/2013 £14,218.00 As of 13/04/2014 £6477.00
Paid 54%
3 months to go 13 weeks
DFD 28th August 20140 -
Happy Friday all
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.0 -
oh & for the newbies the best advice I can give you is that I keep a wee change pot & my DS & I put our small change in it.
I use that for wee purchases & if someone comes to the door for a collection.
I dont count food or petrol unless I go over budget.
What Im trying to do is cut out or down really my danger spending~meeting friends for coffee & buying sweets.
Hope this helps~HTH.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.0 -
Thanks for the info beanielou
I'm thinking I may have to rethink what my NSDs actually involve (or don't involve! 
) My first week has gone to pot unfortunately, and I doubt very much Sat or Sun will be NSDs 
I do have a cash budget for every week which includes food and petrol, so may have to aim to stick to that, and just cut out the 'wee' silly spends on myself, like the coffee and treats. I can't really help it if OH texts me on way home from work to bring milk or bread or something! 
Wealth is what you're left with when all your money runs out0 -
Yay! Dr Dragon paid EVERYTHING yesterday - so I can claim #3 and 3 in a row!!:j:j:jDo not meddle in the affairs of Dragons, for thou art crunchy and good with catsup
NSD 15/20, OS WL 21-6 (4)C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
Every Penny's a Prisoner
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Wooo Hooo - me tooo Dragon - 3 NSD's in a row - yippee:j
Off to update my sig.:DSmall victories - sometimes they are all you can hope for but sometimes they are all you need - be kinder than necessary, for everyone you meet is fighting some kind of battle0 -
OMG If..... I watched that video for ages, I love stuff like that! I liked the nighttime daytime bird best! And the monkey dentists!
No NSD yesterday for me as I had to pay for something on ebay and some money that i owed someone at work for some goodies. But it's OK as I think I can get one today instead :jDon't turn a slip up into a give up
*NSD Challenge Nov 0/10* *£10 a day challenge Nov £0/£300*
No buying unnecessary toiletries challenge-in it for the long haul
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Thanks for the advice beanielou. I've been trying to count everything (except DDs which leave my account anyway) but some days I have to catch the bus which is my only spend. As I don't drive I have no choice. But I think I'm going to stop counting necessary bus journeys until I have a job and therefore by a more economical monthly pass. Yesterday I did do other spending but shouldn't have to spend again until Monday hopefully!*2014 £365/365days - £52/£365* *20p Savers club #17 £12.00/£50*
March 2014 NSD 0/15 take lunch to work march 0/21
sealed Pot Challenge #260
NMB books: 6/94+ NMB DVDs: 13/67
"Life is not measured by the number of breaths you take but the moments that take your breath away."0 -
Morning all :hello:
I'm a ~Wiggling~ too freeby :dance:
"If wishes were horses, then beggars would ride"
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