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Shiny New Year, Shiny New Start. The January NSD Challenge
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Happy B'day MummyR :beer:Hooray,
Managed my first NSD of the month yesterday. Unfortuantely won't be repeating that today as I forgot to bring my lunch into work
1/10
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 count any of my direct debits (as these are already budgeted for), petrol or milk (essentials) or boot camp. At Xmas I tend not to count xmas presents as these are planned with military precision (already have my xmas 2013 spread sheet up and running :rotfl:) Everything else gets counted as a spend...
...speaking of which, not a NSD today, got pud food in Mr S (new one of theirs on offer 2 for £5 - cheaper than the other two brands she normally has) plus a couple of other bits for the store cupboard like pastry cases (yes yes, should really think about making my own I know) and some smoothie that was on offer. Won't be one tomorrow either as i have some household bits I need and really must get my eyebrows done before someone mistakes me for Igor :eek:
Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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NSD 3 for me please.BC: £2000/£3800 S Loan 1: £4973.37/£7000 S Loan 2: £6884.13/£9000 Next:[STRIKE] £0/£280 [/STRIKE]OD: [STRIKE]£0/£500[/STRIKE]
Student OD: [STRIKE]£0/£2000[/STRIKE] Partner OD:[STRIKE]£0/£600[/STRIKE]Joint OD:[STRIKE]£0/£950[/STRIKE] Car: £9424/£9901 Mort: £77000/£79000
Total Debt exc mort£23281.15/£34,031 31% paid off
POAMAYC2013 £694.99/£10000 target £14112.50
NSDS NOV10/10 DEC 10/10 JAN9/10 no.of debts [STRIKE]9[/STRIKE] 40 -
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Another NSD for me! 6/150
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Yippee- first no spend day of the month today so thats 1/10Credit card- £36/305
2 pound coin-£8.00
Loan- £5000/13000
Determined:j0 -
HAPPY BIRTHDAY MUMMYRIVETT :bdaycake: Hope you have had a lovely day.
Flubberyzing - i just listened to your interview, unfortunately missed your TV debut. and cant get it on the iplayer.
I am not far from you but dont have the same problems you have been having/ have had. Thankfully. I hope it gets sorted.
On spends or lack of - i had another NSD today. I went to the post office this morning and nearly picked some bits up in the attached shop as i was expecting a spend day later on, so thought it wouldnt matter, however didnt spend then and managed to not spend later so yay me.
NSD #6 so chuffed as it is only the 9th. :j:j:j so have a good chance of making it.SPC 18 Target £200 /0 -
MummyRivett wrote: »Hello everyone yesterday was another NSD so day 6 NSD yay.
Today it is my Birthday and I'm really excited to say that I am going to spend today. I am going to spend the day celebrating with another NSD. I really love this thread and would like to invite everyone to take a slice of my Debt Free and NSD Birthday cake curtesy of MSE::bdaycake:
Quite the best birthday cake I've had for a while, Happy birthday MummyR May the year bring you all you wish for yourself
*standing around by Flubberly's front door with her autograph book* How long till you're presenting the news Flubberly?
Another NSD today, making 6/12
Work is still really stressing me out, had a little sob at work yesterday and still very very fed up. Scanning the TES for another job but the drawback of teaching is that there are only really 3 dates you can leave. Miss one and you're stuck for another 3 months. So please everyone, keep your fingers crossed for a new job for me, before I land up in Holloway for principalcide!!
Off now to have a look at need not want and to update my diary.
Hope everyone has had a good day0 -
Thank you all for your kind Birthday wishes. I was very moved by all the lovely picture. Yes today was also a NSD so I have now clocked up 7NSDs
- MSE Forum Achievements:
- Debt-free & Proud - December 2014
- Fully Funded 12 Month Emergency Fund - December 2020
- Current Challenges: No Spend Challenge 2023
- January NSD: 16/25
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NSD #4 today. The month finally seems to be going a bit better :-)*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 -
And a couple of busy days at work mean the grand total of NSDs from Chateau Nargle stands at 4 !!!!!!
One life - your life - live it!0
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