Shiny New Year, Shiny New Start. The January NSD Challenge

slowlyfading

NSD 10 for me today

XSpender

I have finally achieved my first NSD of the month and on a night I go to college too:)

Only 11 more to go!

#1 for XSpender

Changingme

1nsdfor me making14nsd/20.Hope everyone is keeping well with this freezing weather.

moneypenny2k

beanielou wrote: »

freeby~Please increase mine to 20.
Not feeling any better, cough is worse & have had a very very difficult day

How are you feeling now Beanie? better I hope?

ifwisheswerehorses... wrote: »

Morning all :hello:

Got my 9th NSD

Thank you
IF…x

Love it, will have to pass that on to the ICT dept lol

WantToBeSE wrote: »

I GOT THE JOB!!!!!!!! :j:j:j:beer:
I start next Friday OMG, so so excited! It's only 12 hours a week, BUT i am pretty sure that i can find at least the extra 4 hours from somewhere so that i can get WTC.
A while ago i was thinking about setting up my own cleaning business, so i may go back to that idea, on top o this job, so that i can get WTC.
Need to start as from tomorrow

So pleased for you WantToBeSE :j

No NSDs for me since Monday. Gave in to temptation for a bacon roll at school yesterday and had to buy fruit today. Just been in to catch up on the gossip

beanielou

Still feel dire moneypenny.
This lurgy isent shifting at all & my depression is making me burst into tears at the least little thing.
Will keep plodding.

butdoineedit?

Brrrr, what a freezing day today!!

Lots of NSDs rolling in today, so well done to:

WantToBeSE – well done for number 8!! :j:j
Woo hoo to getting the job, well done you, that’s great news!! :j:j

Loubell83 – well done for number 8, you’re doing great!! :j:j

BigMummaF – well done for number 13 (not unlucky for you!!) :j:j
What about porridge with nuts mixed in for your protein, or yoghurt (protein apparently!), with fruit or grains to help fill you up, or even beans on toast?

jaxsmar – well done for number 8, you’re doing great!! :j:j

ifwisheswerehorses... – well done for number 9, & love the picture!! :j:j

StressedSteph – well done for number 15, that’s a great total!! :j:j

coolcats – well done for number 13!!
I agree with you that it’s so much easier to not go out when it’s freezing cold!! :j:j

beanielou – well done for number 16!! :j:j
(((((((((((((((big hugs))))))))))))) I really hope the lurgy goes away soon!

UnionGirl – well done for number 5, you’re doing great!! :j:j

Candlewick – well done for number 5, keep going, you can do it!! :j:j

slowlyfading – well done for number 10, you’re doing great!! :j:j

XSpender – well done for number 1, you’re off the mark!! :j:j

Changingme – well done for number 14, you’re doing great!!

And hello to:

Jelly Biactol – currently residing in Yorkshire that’s a word I think I’ll definitely be using!!

hermyam – well done for your frugal shopping!!

ModestyB – ouch indeed to the vets bill!!

couldsavemore – at least your spend day was on something useful, & I don’t blame you for wanting to be prepared for the bad weather!

EverTheOptimist – yay :j:j to hubby coming home, but :mad: to the car!!

moneypenny2k – mmmmm, bacon rolls are just so hard to resist!!

& number 10 for me, should have been 11, but being stuck in town after travelling back from a meeting with no time to go home before college, i succumbed to a coffee (well i figured it was better than what might have happened if i wandered round the shops!!)

kerri_gt

WantToBeSE wrote: »

I GOT THE JOB!!!!!!!! :j:j:j:beer:
I start next Friday OMG, so so excited! It's only 12 hours a week, BUT i am pretty sure that i can find at least the extra 4 hours from somewhere so that i can get WTC.
A while ago i was thinking about setting up my own cleaning business, so i may go back to that idea, on top o this job, so that i can get WTC.
Need to start as from tomorrow

Yeah! congratulations

beanielou wrote: »

Still feel dire moneypenny.
This lurgy isent shifting at all & my depression is making me burst into tears at the least little thing.
Will keep plodding.

Awww, big hugs Beanie - oh carp, sorry, didn't mean to make you bust a water pipe again :grouphug: here have a dodgy MSE group hug - that'll make your eyes water :eek: A good cry can be very theraputic xx

Well not a NSD today, fell into the B00ts Sale, OMG it's like the Next sale but with bubble bath :eek::eek: By the sound of things my local store wasn't too bad but I was in before 9am, popped back through at 12.30pm and the shelves were nearly bare - and at 9am there'd been 1/2 an aisle at leave of the S&G sets. The sheer greed of some people is disgusting - sure, buy it if you're going to use it / gift it, but its the people that buy stuff to sell on and prevent others who can't get to store at opening time, or otherwise afford the items from being able to buy any of it that really makes me sick. Still, they say what goes around comes around.

I picked up a couple of lovely little pj / hot water bottle cases for my friends girls at Xmas, a S&G set ( ONLY ONE..for ME - and I might on-gift any bits I'm not going to use as its 9 full size products - is that cheap of me? ) and a few bits that I think my mum might want to give as gifts. Oh and one of those handbag jewel things to hang your bag off a table / bar with. In total spent £43 and saved £120 but 1/2 of that is DM :A

Also went to sainsbobs to get a few essentials for OH who is really suffering with the lurgi bless him and Sports Direct for a new pair of headphones for the princely sum of £2.59 (on of the ears has gone on my current pair and the ear bud bit is embossed and actually is quite painful after a period of wear).

Oh goodness...I really have fallen off the wagon today :o:o

Big hugs to all those under the weather xx

dizzy_lizzie

gien wrote: »

Got number 8 NSD today and I that's 3 in a row, something I have never been able to do before! Really pleased with that and I can see the difference in my bank balance too.

:T Well done gien. I bet you feel great

WantToBeSE wrote: »

I GOT THE JOB!!!!!!!! :j:j:j:beer:

Yay well done. I think this calls for a wee tipple...

beanielou wrote: »

Not feeling any better, cough is worse & have had a very very difficult day

Oh beanie. Make sure you keep warm and drink plenty of fluids.

x

armchairexpert

NSD8 please!

Just out of curiosity, how do you count joint spends if you have joint accounts? All our money is rolled into one account. So it doesn't really matter if I do the grocery shop or if DH does, or if I'm the one to pick up new shoes for DD1 or he is, etc.

Personally, I don't count it as a spend day if DH buys his lunch or some new shirts or something for him, because that's his decision and not mine. I do count spends that are for me, or which I physically hand over the money for.

But, for example, yesterday after we'd put the girls to bed, he decided he didn't fancy the dinner I'd planned (pre-cooked and frozen, so not a waste to change his mind) and went out to the shops to buy an ingredient for something else. It could just have easily been me that popped to the shop while he finished cleaning the kitchen. So it's a NSD for me, but the same amount of money came out of the account. I'm counting it (as a no-spend) because left to my own devices I wouldn't have bothered, I'd have just eaten the thing I already cooked.

It works for me, but I'm nosy, so how do you lot count these sorts of things? If you and your partner go out for lunch and he hands over the cash but it's from a joint account, or something like that?

Helsbels8080

Good evening everyone

Thought I was going to get a NSD today but I checked my bank account when I got home and my Cable TV DD has been taken so that drew a line under that!

As my NSD had been lost I decided to do my online grocery shop at Mr Ts, will save a SD over the weekend hopefully. My shop did however take about 3.5 hours!!! Meal planning, do I need this, can I get a cheaper brand ..... I know I did well and saved myself some money but really, 3.5 hours! Oh well, I would only have been ironing so I won't beat myself up lol.

Hope you are all wrapped up and keeping warm, catch up tomorrow.