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Shiny New Year, Shiny New Start. The January NSD Challenge
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Good Evening folks,
No NSD for me today, as the direct debits came out and it will now be a long time until payday:p. I hope everyone is well and has had a good day, as I have yet to read the posts, but send hugs to anyone who needs them.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 -
Oh today feels soooo good
Inspired by the Take Your Lunch to work thread I was organised with food today and so I managed a NSP - woo hoo! And better still, I've got my granola made for tomorrow's breakfast with some natural yoghurt I bought yesterday, and leftover pasta bake for lunch. So tomorrow should be a NSP too, fingers crossed!
Do I need to declare NSDs as they happen, or just declare every once in a while (but keep chatting away on here)? I'm thinking it's easier for those updating the NSDs at the beginning if I declare occasionally so they have less to update? - Hope that makes sense!April 2021 Grocery Challenge 34.29 / 2500 -
Do I need to declare NSDs as they happen, or just declare every once in a while (but keep chatting away on here)? I'm thinking it's easier for those updating the NSDs at the beginning if I declare occasionally so they have less to update? - Hope that makes sense!
You can declare whenever you like, we update everyday anyway so it doesn't matter to us (well to me anyway) how many there are.
Do whatever keeps you on the straight and narrow and focussedFree by FiftyDebt of the Moment -August NSD Challenge 14/150 -
I know this is completely off topic but don't ya just love David Attenborough?? I am watching "Africa" and it is simply amazingFree by FiftyDebt of the Moment -August NSD Challenge 14/150
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Freeby~with the amount of people signed up to the NSD thread this month I think the abbreviated update/roundup is just great :j :jI 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 -
freebyfifty wrote: »You can declare whenever you like, we update everyday anyway so it doesn't matter to us (well to me anyway) how many there are.
Do whatever keeps you on the straight and narrow and focussed
Lovely, thanks FreeBy. In that case...
My first ever declare of ...... 1/20 NSD!April 2021 Grocery Challenge 34.29 / 2500 -
hereigoagain22 wrote: »Today was a failure as needed to go get milk and a few bits and pieces from Tesco.
Noooooooo ..... we don't ever "f" on here :eek:..... Freeby where's Jaws? ...... and the soggy kippers!;)
We try out hardest and life sometimes get the better of us ... but it's never a "f"Candlewick wrote: »No Cigarettes bought - Day 2 :eek::eek: (£13-00 saved)
Well done CW:T - saw you'd made it to Sue's thread ..... keep popping back - it did stop me from starting again a couple of times!:ochris81418 wrote: »Yes, as planned I paid off my last debt on 31/12/12! :j
Awwww Chris that's absolutely fantastic news :j:j well done:T:T
As for me .... well .... errrrr - was in need of a new ringbinder for my super dooper new home organisation system (don't ask) but didn't want to lose a NSD just for that (when I could get it tomorrow!) but then remembered I'd bid on something on e*bay which was ending today .... and I won that so ordered the ringbinder & paid for the auction - both low spends tho' under £7 total
I can't believe there are over 100 of usthat's fab:T:T - and I apologise now if I don't manage to keep up with the thread
(but will do my hardest!):D
Grocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0 -
kerri~Do you not have a change pot?
I have a wee pot I keep for loose change & then use for wee odd purchases to save me loosing a NSD IYSWIM?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 -
Today wasn't an NSD.
I was shaking as I approached Mr T (needed to check out a couple of items that I most definitely wasn't buying today even if the details were right), but knew I'd never escape without checking the Whoopsies and the seasonal aisle for discounted goodies !!!
Then, as I stepped into the store, I realised a D/Debit would have gone out today (as it didn't go yesterday), so it was already a spend day
So I bought some fruit (some Whoopsied), some Whoopsied minced steak, and a discounted seasonal item.
Also just tried to book tickets for youngest GDs birthday event (visit to Sea-L!fe Centre), but it says you have to take ID to collect them without saying what they'd accept. As I'm very limited in what I have (as in nothing unless they accept an almost totally worn out paper driving licence) I've had to get my OH to do the honours thereCheryl0 -
kerri~Do you not have a change pot?
I have a wee pot I keep for loose change & then use for wee odd purchases to save me loosing a NSD IYSWIM?
And thanks to beanielou suggesting it ... I have one too!:D (although I do keep forgetting I have it!) - I put the non-potable coins LO after the weekly spend challenge into it :T (although it's running low as it had to buy a bag of tatties the other day)
I'm hoping it'll stretch to a packet of crumpets tomorrow!:)Grocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0
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