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Shiny New Year, Shiny New Start. The January NSD Challenge
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Good morning folks and a HAPPY NEW YEAR to you all,
I am not going out today and am therefore happy to declare NSD1 for today:)
I hope everyone had a good new years eve and has an excellent 2013:)If you've nothing decent to say, perhaps you shouldn't say anything.
£2 savings jar £300:D
Total credit card debts £1250:mad::mad::mad::mad::mad: - Will I ever learn!!0 -
Hi can I declare today a NSD no1 today as well please?
Today I shall be having a pj day yay!Karma - the consequences of ones acts."It's OK to falter otherwise how will you know what success feels like?"1 debt v 100 days £20000 -
Happy New Year everyone! :beer:
Today won't be a NSD for me as I'm going to do a big food shop
Have a good day everyone :hello: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
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OK, have decided to make anything i need for the day, as the shops arent open anyway...so am making some bread rolls and almond biscuits
So, NSD #1 here today0 -
:eek: 11 pages already?!?!
HAPPY NEW YEAR EVERYONE!!!Wishing you all a fantastic start to 2013!
Please sign me up (again!) for 10 NSDs (again!) in January!
I've managed 6 in Oct, Nov and Dec, each time aiming for 10, but never quite getting there. I'm going to aim for 10 again, and hopefully actually manage to hit target for a change!!
Every NSD is a bonus, whether I hit target or not. It's good to be more aware of what's going on in my wallet!!
This will be my first NSD so jumping in early with my [STRIKE]1[/STRIKE] 0/10
See you all soon
EDIT:
Oh fiddlesticks!!Just went and spent money! Checked on ebid for Vaniqa and there was only about a dozen available so had to jump in quick. Damn!!!!!!!
Maybe tomorrow?!?!?!?!??!Wealth is what you're left with when all your money runs out0 -
Please can I rejoin for January? I am not on the list but aim to have 20NSDs and 4in a row. It is going to be a lean month. We are still really short of cash as DH is still off work and our income covers direct debits only.business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
'I had a black dog, his name was depression".0 -
1 Nsd for me. Not going out even if the local shops are open, having a pj day even. I am determined to cut all the little spends out. Taking the decorations down and general tidy up day.0
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Afternoon everyone
Hope you all enjoyed the fireworks last night.
Moneypenny2k, Rising to the Ashes, Spoon and marmiterulesok, thanks for the support and confidence in me!
Marmite, I haven’t read the book although I have heard lots of people say how helpful they found it. Unfortunately, I am not sure I am strong enough to cope without the patches though I do feel a bit of a cheat taking the easy option.
I have decided to declare my first NSD.
No cigarettes bought – day 1 :eek:
I was going to buy a couple of containers and casually mentioned it to my mum over the phone last night (as you do, lol) who promptly replied that she has loads so am collecting later today.
Have a family birthday coming up and was about to process the order online when I noticed it doesn’t matter if I order today or tomorrow as delivery date is still the same, so will order tomorrow instead as I won’t be having another NSD until Saturday as have direct debits going out over the next 3 days.
Good luck to you all.
CWNSD Challenge 2015: Jan 20 / 20 (2 x 5 in-a-row) / Feb 5 / 12 (4 in-a-row)
Lesson learnt from 2012: I cannot be trusted to credit card stooze!
Barclaycard at 2 / 02 / 2015 [STRIKE]£4,600[/STRIKE] [STRIKE]£4540[/STRIKE] [STRIKE]£4250[/STRIKE] [STRIKE]£4000[/STRIKE] £3250 need to pay it off by 08 / 2015 before mortgage completion
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Happy New Year to all of us!
Well its NSD 1 today for me, off the mark!final unsecured debt to repay currently £8333Proud to be Dealing With my DebtDFW Nerd 1154 Long Haul 1550 -
Happy New Year you chatty lot. Well we ended up going to the local pub last night instead of staying in as we'd planned - was nice to do but am feeling somewhat guilty about how much we spent, good job we didn't need taxi fares on top as the pub is walking distance from us. Thing I'm realising as I get older, is that a) more and more I dislike spending money on drink when there's nothing to show for it the morning after b) I'm really not good at dealing with the resulting hangover these days.
Still, what's spent is spent and it's a whole new year now. Xmas and NYE are done and dusted and the resulting pressure to go out and spend has a big 2012 line drawn under it.
Not sure about resolutions for 2013, still thinking about that one.
Well the result of last night means NSD #1 todayI'm not going out, and am having trouble even getting out of my pjs. Think i'll make apple and blueberry tray bake later on (usually make it with blackberries but have some blueberries on the turn so figure I can use those instead) and absolutely no spending :A
Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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