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The "Just Keep Swimming" July NSD Thread

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  • mismatch
    mismatch Posts: 90 Forumite
    Xmas Saver!
    Hiya
    Thanks sazzie23 for the suggestion of using expenses as a spend day and bonus getting money back. I only ended up paying road toll 1 way but sadly succumbed to half price @ £1.24 Oreo ice cream cones in tesco while grabbing milk but in fairness I think they will block out the ra ra happy role play meeting which caused the road toll in the first place. I'm a food spend wimp I know but I'm being honest here every day so next month I'll learn from this months mistakes (been promising to learn from mistakes each month in life for 10yrs and still no better but gotta try lol)
    Fingers crossed to get off the mark tmw as I'm packed lunching to work on a late shift and need nothing food wise :)
    Onwards and upwards into tmw :T
    Living half in debt, half in denial
    At the bottom of the hole....pass the rope and hoist me up!!
  • zenshi
    zenshi Posts: 1,133 Forumite
    Part of the Furniture 500 Posts
    Ifwisheswerehorses......loving the pic! I have two of the wrinkles here :D

    NSD 1 for me today. Had a mammoth spend yesterday on my groceries, so hoping to breeze through my target this month. Feeling focused ;)
    LBM.....sometime in 2013 £27,056. 10 creditors
    June 20.....£7,587.....3 creditors left 72% paid

    £26,200 on interest only part of mortgage (July 16)...will chip away £17,103
    £49,200 repayment mortgage ( July 16) £37,764
  • fedupandskint
    fedupandskint Posts: 10,358 Forumite
    Part of the Furniture Combo Breaker
    NSD 2

    2 successful BT onto 0% rates for 12mths gone through today meaning I am down to 2 CC balances from 4 CC last October once the last payment is made this week - see light at the end of the tunnel at last - getting there!

    Happy days and time to get these balances down!
    final unsecured debt to repay currently £8333
    Proud to be Dealing With my Debt
    DFW Nerd 1154 Long Haul 155
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    NSD 1 for me today :)
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • marmiterulesok
    marmiterulesok Posts: 7,812 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker Photogenic
    Today was definitely a spend day;in fact I've spent almost all of this week's budget.:o

    As it runs this month from Tuesday to Tuesday,I think that my nsd total over the next few days should be impressive.I try not to dip into the following week's budget if possible.:o
  • liltdiddylilt
    liltdiddylilt Posts: 4,118 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Evening all

    Am declaring today NSD #2 but by the skin of my teeth only. I have to do the Mr A's online shop (£40 ONLY!) but as it is being delivered tomorrow and won't be removed from the bank until then, I am claiming today.

    *mantra* Bread, teabags, pasta, cereal, washing up gloves! :rotfl:

    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • NSD #2 two in a row:p Didn't go anywhere..joy of living where you work as well as it being in the middle of nowhere! Work, walk, cook, wash up!
    2013 NSD 100. CC2014CC- £31.50/£135
    2014 NSD 86 so far - May 20/21
    2014 G/C spend £741.55 so far May £107.99/£91
    Debt Free - 30.05.13 Emergency tin - £1000
    June 23 - 9NSD
  • shellyosborne
    shellyosborne Posts: 382 Forumite
    Sixth Anniversary Combo Breaker
    Had to spend for my Gym membership today but paid the month in advanced to save in the long run so that's ok so Just 1 NSD for me so far
    Total Debt [STRIKE]£25,460 [/STRIKE](23/02/2016) :eek: £13,416.94.(paid 48%)
    Earn £10 a day 2015 - £878.91 2016 - £3932.18
    2017 - £1686.24 - 2018 - £272.37
    March 2019 - £120.99
    April 2019 - £0/£300
  • Knit_Witch
    Knit_Witch Posts: 4,436 Forumite
    1,000 Posts Combo Breaker
    Another NSD grabbed and hurled in the general direction of the Cauldron (making 2 :p) - Happy Knit Witch here :D
    Must use my stash up!
  • bottleofred
    bottleofred Posts: 2,902 Forumite
    Good evening folks from a very wet NI:eek:

    Whoever said it was summer was being economical with the truth:D. I had quite a productive day today and managed to get 2 inspections completed before lunch:). I then met an old work colleague and friend for lunch and I can declare NSD2 for today as she paid for lunch:T
    I will of course pay the next time, which is grand, as it was lovely to see her and catch up:). I hope everyone is well and as there was a frenzy of mentioning Christmas for a while last night, don't forget to make a list for those sales:rotfl:. Kerri, I loved the Christmas tree:T
    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!!
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