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

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  • kerri_gt
    kerri_gt Posts: 11,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Happy B'day MummyR :beer:
    Delilahh wrote: »
    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 :o) 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 8/12
    JAN NSD 11/16


  • 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] 4
  • kerri_gt wrote: »
    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:
    Poor Igor...he'll get a complex!:rotfl::rotfl::rotfl:
  • Another NSD for me! 6/15
  • Yippee- first no spend day of the month today so thats 1/10
    Credit card- £36/305
    2 pound coin-£8.00
    Loan- £5000/13000
    Determined:j
  • 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 /
  • moneypenny2k
    moneypenny2k Posts: 1,122 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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 day
  • MummyRivett
    MummyRivett Posts: 424 Ambassador
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    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
  • Giggles86
    Giggles86 Posts: 526 Forumite
    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."
  • Nargleblast
    Nargleblast Posts: 10,763 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Debt-free and Proud!
    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!
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