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

Redouble

Just had a search and the thread the members are coming from actually tells them to pledge their NSDs here and not on that thread. I'm unaware of how these things work so forgive me, but I think the creator of the December debt destruction thread (NSK) may not be aware of any issue
Redouble xx

Candlewick

Hello freebyfifty

Can I please join this challenge?

I am going to try and give up smoking (again!) from January 1 and hope to use NSDs as further encouragement. Last time I gave up for 6 months I saved a heap of money. I am £300 short on my stoozing repayment c/c due in March and packing up the ciggies will help cover this shortfall if I can stay strong enough.

Can you please put me down for 15 NSDs as I am a beginner / newbie. (Fingers crossed).

Many thanks

CW

Helsbels8080

Good evening to all

Completely new to posting on MSE but have lurked for years. It will probably take me a while to "find my feet" with the technical workings but I will persevere.

Would love to give this challenge a go and will start off at 10 NSD for January please. :T

solventsoon

Redouble wrote: »

Just had a search and the thread the members are coming from actually tells them to pledge their NSDs here and not on that thread. I'm unaware of how these things work so forgive me, but I think the creator of the December debt destruction thread (NSK) may not be aware of any issue
Redouble xx

Thanks Redouble, I'm wondering that as well. There are a few posts on her thread relating to this but she doesn't appear to be reading them......

spoon x

solventsoon

Candlewick wrote: »

Hello freebyfifty

Can I please join this challenge?

I am going to try and give up smoking (again!) from January 1 and hope to use NSDs as further encouragement. Last time I gave up for 6 months I saved a heap of money. I am £300 short on my stoozing repayment c/c due in March and packing up the ciggies will help cover this shortfall if I can stay strong enough.

Can you please put me down for 15 NSDs as I am a beginner / newbie. (Fingers crossed).

Many thanks

CW

Hi CW and welcome :wave:
I know I'm not freeby:D but you're very welcome to join our merry little gang.

Freeby will add you to the front page when she does the next update and good luck with both the challenge and giving up smoking - I think you're in good company here, one or two of the regulars are doing the same

spoon x

Helsbels8080 wrote: »

Good evening to all

Completely new to posting on MSE but have lurked for years. It will probably take me a while to "find my feet" with the technical workings but I will persevere.

Would love to give this challenge a go and will start off at 10 NSD for January please. :T

Hi and welcome Helsbels8080 :wave:

As with CW, Freeby will add you to the front page on her next update. If you need to know anything please just ask, we're tame most of the time unless we haven't been fed:D

Good luck with the challenge, you can do it!

spoon x

solventsoon

OutofDebt-NOT-OutofDanger wrote: »

:wave: On a more positive note, secured a brand new job to start in January :j:j

Woohooo... well done you, that's fantastic news:j:j:j

OutofDebt-NOT-OutofDanger wrote: »

Good luck to all NSD'ers for 2013.

And good luck to you too

cw18 wrote: »

It's been a year of ups and downs

It certainly has Cheryl.

Sorry about all the health issues, I hope you manage to get them resolved soon. Good news that OH is still around, things seem to be going well between you and on terms that you both seem to be comfortable with. Looking forward to lots of updates from you:)

greenanne wrote: »

hi there.
i've been looking forward to starting the new challenge.december was a really sad month for me and all thoughts of money just went out the window.
so for the new year i'd like to try for 10nsd's
and 4 in a row please.
thankyou.

Sending you a ((hug)) greenanne. Sorry December was such a horrible month for you and I hope January is better x

nomi01

hi can i be added to this challenge please? i didn't manage to meet Decembers target. i want to have 15 NSD in January

Shortie

Hello everyone, first time on the NSD thread for me but I'm seriously knuckling down to try and keep spends as low as possible as we moved this year (2012) and I brought with me an existing loan and a new one to boot, pah! If I can overpay a decent amount off both, there's a chance they can be gone by mid 2016 :j

So, what I plan to class as a NSD - I have been seperately budgetting for monthly 'knowns' for AGES already - this includes utilities, mortgage/loans, groceries (budget set on GC), petrol, work travel card and now school dinners. These are budgetted 'knowns' and for me aren't the risk/issue. Where the NSD challenge can help me personally is to help reduce how much I 'waste' on food in work and wants-not-needs when shopping.

So, for me - what is classed as a spend day: work lunches/snacks (days when I meet a friend for lunch or really can't resist the call of the vending machine), petrol spends outside of the allocated budget (unfortunately frequent for me at the mo as my car is the only one on the road right now), grocery spends that go over the allocated budget, and anything not in the usual monthly 'ticking over' budgetting

Aiming for 20 NSDs - I know this might sound high for a newby NSD-er but when I look at it brutally, that gives me 11 days for only unexpected spends and known-budgetted spends are not being included - and it doesn't sound so bad put that way..

With that in mind, known out of budget spends this month:
- Possible car battery - Mr Shortie's battery appears to be flat and is currently on charge, due to be refitted tomorrow and car restart tried. Fingers crossed
- New exhaust for Hydi (my car :rotfl:) - I've known hers was on the way out since her MOT but she's suddenly started sounding REALLY throaty and butch, lol. No idea of the cost though of this and won't be able to find out until the New Year when the local garage re-opens
- Kitchen - we're having this cheaply jazzed up in January. It needs gutting really but for now it's getting a new work surface, sink and taps. We've got money aside for this already though
- Fireplace - we're desperate to get this working but need someone to come out and look at it. There are things we know it needs - a hearth and the clay surround to protect the bricks around the fire itself, but no idea the condition of the chimney liner etc and am presuming it needs sweeping at the very least... We have the £50 call out fee aside already and will use our Christmas money from parents, and the sale of our fish tank (due to go tomorrow) to go towards the cost of this..

Gosh, sorry for the HUUUUUUUUUUUUUUUGE waffle-a-thon there...

kittiej

Hi Shortie, have you tried the motoring board to ask how much a new exhaust would be for your car. There are a lot of mechanics and peeps in the know on there

Shortie

Thanks Kittiej, you know I never thought to have a nose there.. I'm embarrassed to say that for all the years I've been on mSE I've spent 99% of my time of the OS board (which I do still love) but only ventured away from there 2 months ago an over here to start my diary (and am slowly spreading like goo :rotfl: across this board now). I'm such a creature of habit!

I'll go and take a peek now - thanks so much for the suggestion! x