We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Oofy omtimistic Octobers NSD challange.
Options
Comments
-
NSD number 2 today...:)paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 170 -
How do you all define a NSD? Do you include budgeted food/petrol as a spend?
I'm just not sure how to work somethings out. There are things I have already budgeted for that I put the money to one side until payment is due. These include food/petrol spends, extra curricular activities etcChandelier.
Current Debt Repaid:
£104/£619.
Check out my Diary
0 -
Spend day today as I got to the gym and realised I hadn't brought any tights for work so had to dive into Tesco's and pick some up or else have cold bare legs all day!
The dye was okay, had to get a darker shade than the one I wanted, so it's a dark blonde but it'll go to a nice colour after a few washes
0 -
A planned spendy day for me as the car is coming back from the garage today and I know I will have to put fuel in it. So in an effort to make tomorrow and NSD I also popped to Icel&nd to get milk and top up the freezer with fruit and veg for SW, before work.
I have a £2.00 bonus and 10% off for getting a clubcard for them through SW, so made the most of it! I now have enough loo roll until the end of Nov Debt at LBM 2010 £40,640.17. Debt Free 2017 Debt 2023 £24k I didn't learn! NEW Goal Debt and Mortgage Free Jan 2025.
Debt Free Diaries - TizerCat learns to stay debt free
November NSD Challenge 12/16
6 months emergency fund challenge £500/£60000 -
no spend day #3 for yesterday
today was a spend day -
I purchased a few things for our wedding today & had coffee because well.
my family life has gone from rebuilding my relationship with everyone to my auntie and cousin ripping it all away from me and now have no family - currently. Coffee helped to calm me down and focus on wedding stuff on the bus home
(i'm ill because of my back,headache and family stress gave me a huge migraine that won't go away even with codine! ):heartpuls Getting married 21.09.19 :heartpuls
Emergency Savings - £15.55 / £1,000
XMAS '19 Savings - £0.00 / £365 Holiday savings - £6.00(SA) £00 (PB)0 -
Chandelier. wrote: »How do you all define a NSD? Do you include budgeted food/petrol as a spend?
I'm just not sure how to work somethings out. There are things I have already budgeted for that I put the money to one side until payment is due. These include food/petrol spends, extra curricular activities etc
It is up too you.
I for eample dont count food, petrol if in budget.
I dont count yoga or cat expenses.
For me I am trying to cut out unbudgeted spends & unplanned spends.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 -
A planned spendy day for me as the car is coming back from the garage today and I know I will have to put fuel in it. So in an effort to make tomorrow and NSD I also popped to Icel&nd to get milk and top up the freezer with fruit and veg for SW, before work.
I have a £2.00 bonus and 10% off for getting a clubcard for them through SW, so made the most of it! I now have enough loo roll until the end of Nov
Do you know how long we can use the 10% off bonus card for?
Hopefully a long time!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 -
no spend day #3 for yesterday
today was a spend day -
I purchased a few things for our wedding today & had coffee because well.
my family life has gone from rebuilding my relationship with everyone to my auntie and cousin ripping it all away from me and now have no family - currently. Coffee helped to calm me down and focus on wedding stuff on the bus home
(i'm ill because of my back,headache and family stress gave me a huge migraine that won't go away even with codine! )
Sorry to hear this.
Take care of you.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 -
NSD no 8 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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.1K Mortgages, Homes & Bills
- 177K Life & Family
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards