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The All-time Outstanding October NSD Challenge
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Ten NSDs for me please
xxxNevertheless she persisted.0 -
I think I've tried this before (a long time ago) and failed miserably! But, you seem like a forgiving bunch and I need to tighten the purse strings this month. I'll go for 10 NSDs but hoping for more. It's half term in October so I need to be realistic. Unfortunately today won't be an NSD but I'll aim for a Low Spend Day instead.0
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Hi i would love to join in for October and try for 15 NSD's. I really need to get my spending under control. Today will be be a spendy day as i brought a voucher for a birthday present and now i can't find it (stupid yes i know) so i have to re buy a voucher today. Hopefully it will turn up and then i can use it for a different present. I have also started a spending diary so i can record every penny that i spend and hopefully this will make me think twice about some of my spending.#Sealed pot #085.
1 debt versus 100 days £108.32/£300:j
Debt Jan 2016 £6877.37. Aug £6155.56
xmas saving £1 a day 274/366.0 -
Good morning,
Please could you put me down for 10 NSD.
October has a lot of birthdays!
Happy TuesdayDEBT FREE on the 23rd December 2013 :beer:
:j :T
Sealed pot 7 no 18940 -
Hi Freeby, thank you for all the hard work you put in to running this thread for us all. You are an :A
Can I be put down for 15 NSDs again this month please. I will try not to be so remiss in posting.
I noticed that we had a wigglefree Friday last week, hope everyone's ok.
S.P.C. 9 2016 No. 062 Banked £337.50
My Gold Stars off Sue. :staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin:staradmin :staradmin:staradmin:staradmin:staradmin:staradmin :staradmin:staradmin:staradmin:staradmin:staradmin :staradmin0 -
And Yippee! and White Rabbits! and "a pinch and a punch" and allthat first of the month cobblers.
So glad October here at last, I was getting bored with September. And as ever it's a big THANK YOU to our fabulous Freeby for kick starting the new thread - don't tell me you've been raiding Igor's herbal tea stocks for the prizes? If you have then don't tell anyone, it will demotivate them! And thanks too to Sazzie, Spoon, Ifwishes and everyone else who contributes to the smooth running of this challenge.
Now all that's out of the way, I have two anouncements.
Firstly - my target this month is a cheeky little 12 NSDs.
And secondly - the annual NSD gang Halloween/Samain gathering is now in the planning stages. As ever it will be held at Ennessdee Towers, and we require gang volunteers to come and decorate the place in a suitable manner (bring your own cobwebs). Igor is adamant he will be doing the catering (:() and has decided we should have an apple theme this year - so expect things on the menu as apple soup, cider, apple curry, cider, apple pizzas, cider....personaly I think we should ring round for a takeaway but don't tell Igor.
And fancy dress is compulsory - come dressed as your favourite apple. Any suggestions from gang members for food, party games, music etc will be most welcome (anything has got to be better than Igor's record collection.)
So, suggestions please - it's our party to celebrate all the fab NSDs we collect, and any long-established gang memers will be able to tell a tale or two about past NSD gang gatherings!One life - your life - live it!0 -
First NSD of the month for me today.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Before I set my target for October I would appreciate some advice/views. We have a large extended family and so as the good :money: I try to be, I budget for this by putting aside money from Feb to Sept and then start buying in October with the final payments being made in January (I use a cashback credit card just for this purpose and find it is the easiest way to keep track of my Christmas spending).
By starting to buy presents etc in October I have time to find the best prices and I always buy cards, gift wrap etc in the January sales.
So my question is - if I stick only to buying Christmas presents and other Christmas related spends which are in my budget - can I claim these days as NSDs? I think it would be ok if I might sure I don't sneakily add something for myself. What I am trying to achieve through this thread is curbing non budgeted and non essential spending so I think this might work but I don't want to feel I am cheating
Would love your views/comments0 -
flowerofscotland wrote: »So my question is - if I stick only to buying Christmas presents and other Christmas related spends which are in my budget - can I claim these days as NSDs? I think it would be ok if I might sure I don't sneakily add something for myself. What I am trying to achieve through this thread is curbing non budgeted and non essential spending so I think this might work but I don't want to feel I am cheating
I am new to this thread and only started this month (failed at first hurdle as have spent today!). Personally I decided not to include my christmas spends as like you it comes out of a different budget and I will buy as and when I see items going cheap. It would be impossible for account for this.
Will be interesting to hear how the long timer NDSs would deal with this.0 -
iammumtoone wrote: »I am new to this thread and only started this month (failed at first hurdle as have spent today!
). Personally I decided not to include my christmas spends as like you it comes out of a different budget and I will buy as and when I see items going cheap. It would be impossible for account for this.
Will be interesting to hear how the long timer NDSs would deal with this.
Oooops!! the F word has been used :rotfl:Must use my stash up!0
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