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

katholicos

Notched up my 7th NSD today

couldsavemore_2

good news

my hairdresser just cancelled which means another NSD

so that makes it 7/24 NSD yipee .

bad news

hairs a right mess

new_leaf_88

NSD yesterday for me making my total so far4/10 :j:j

cw18

Delilahh wrote: »

Do people include days they pay the bills? The only reason I ask, I'm paid weekly on a Monday and pay everything on Mondays, but most of the time, other than the bills and keeping my bus/train fare to one side, I don't spend anything.

I include everything (except my lottery for some reason - it escaped the counting when I started doing this challenge, and I've never reeled it in )

But my house related bills are (mostly) paid by D/Debit, so they go out all over the month!! I'm currently working on trying to get my water one back from 4th (which is where they put it after I phoned and asked for a payment adjustment last March) to 1st (where it used to reside alongside my gas & electric). If I manage this will give me the potential for another NSD every month The only one that I pay cash for is the window cleaner, and I can't reliably predict when he'll come (though I have a vague idea). I normally pay him two or three lots at once - the one they've just done and the rest that are due that calendar month (giving me the potential for 1 or 2 NSDs I'd otherwise lose by paying him each time he came).

Then I count my swimming lessons (pay for one a week), personal trainer (pay every 5th Monday) and groceries (ad-hoc, but trying to stick to Monday and Saturday - with the odd Sunday instead of Saturday if I 'pop into' C0stco like I probably will this weekend).

I normally find that any 'oops' spending (things I fancy but don't need) is done the same day as grocery spends, as I stay away from shops on the other days..... shops always seem to manage to prise some money from my purse :eek:

dizzy_lizzie

To MummyRivett

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Bluegreen enjoy your break with hubby

Bagging NSD 8 today. :j

One of my targets was to take lunches in and so far I have. Last one tomorrow so I think I''ll make nut/beanburgers for tea and take one in to work.
These dark nights don't half make me drowsy and lethargic when I get home!
Really, really tired and overslept this morning! Just getting back into a proper sleep routine I think.
Hope everyone is well
x


x

fedupandskint

NSD 6 for me today and a rather fabulous 4-in-a-row!

rising_from_the_ashes

Delilahh wrote: »

Do people include days they pay the bills? The only reason I ask, I'm paid weekly on a Monday and pay everything on Mondays, but most of the time, other than the bills and keeping my bus/train fare to one side, I don't spend anything.

I don't include all the individual days d/debits come out - or I'd hardly be able to get any as I've deliberately spread them out over the month :eek: - but I do include the day I transfer money to that account to cover them HTH

flubberyzing wrote: »

I should be on BBC Look East tonight from 6:30 if any of you are in that area!

Ohhhhh !:D

Can you download the programme?

marmiterulesok

I'm happy to announce today as #6.

flubberyzing great stuff!:D
I hope they pull their socks up or get the boot!

rising_from_the_ashes

Ohhhhhh and as for me and the NSD ..... *sigh*

I'm doing really badly this month

I don't know if it's because I've been cooped up in the house for 3 months & now I'm able to get out a little bit .... I just can't resist buying something .....but it's nearly everyday (as can be seen by my total NSDs)

Will try again tomorrow - car's going to the garage (covered by warranty;)) so ..... fingers crossed

slowlyfading

NSD 6 for me today