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Delightful December's NSD Challenge!

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cathybird
cathybird Posts: 15,589 Forumite
Part of the Furniture 10,000 Posts Name Dropper Photogenic
edited 10 December 2019 at 8:57PM in Debt-free wannabe challenges
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during December. To join, just post your personal target and you are on your way!

Tips for the challenge:
1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve.

2. It is fine to exclude necessary expenses eg petrol, groceries, pet food, etc, when it comes to deciding what is and isn't an NSD.

3. It does help to post every time you notch up an NSD ... it's easy to lose track! If you want to keep track of your NSDs in your MSE signature, that can be really motivating too :)

4. It also helps to subscribe to the thread ... that way you get a daily email reminder so you don't lose motivation :)

5. NSDs are trickier than they seem and easily derailed. It makes the challenge much easier if you notch up as many as you can in the first half of the month.

December

NXw3UtD.gif = off to a start!

KGtHOcB.gif = five days

uT2NDvk.gif = 10 days


gJQ6iVw.gif = 15 days

PRJRcMS.gif = 20 days

jcHugCJ.gif = target reached


FBXyPmC.gif = target beaten


December targets

beanielou 15

bestlifenow 7

borollan 15

cathybird 15

delta13 12

Donkids22 10

Dottles1 8

Fivenations 15

Happy Monday 10

Honeysucklelou2 10

Ivysmom 10

MoneysavingmadGem 12

Ms W 15

Munchin 10

Optimistic Saver 20

Purplemumof2 10

Saver-upper 12

scotmumof3 12

shopaholicnumber1 15

SpekySquarehead 12

SSDD23 15

Thistimearound 12

Vanlady 12

Wishus 10
:j ALL WELCOME TO JOIN!! :j

«13456750

Comments

  • beanielou
    beanielou Posts: 95,387 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Thanks cathybird for the new thread. :)
    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.
  • Can I join December's NSD challenge please, Cathybird with a target of 20/31? Thank you!
    From Jan 25:
    4,419.92-1,957.50
    4,538-3,260
    3,240.18-3,240.18
    BL 1,900-1,120
    Total: 12,182.91-9,577.68
    🏆 ⬇️ by £2,605.23

    NSD July 4/18
    #58 1p: 226.97/667.95 212/365
    #18 52: 1,063.89/1,378 27/52
    #32 Make 2025: 941.31/2,025
    #20 12k: 5,145.85/5,000

    Vin 86.50
    YG YL 100
    Prol SB 311.81
    Bank 364.32
    Quid 100.03
    Ched 49.77
    Snap 20
    Books 4.02

    Monzo 2,232.17
    TSB 700/2,700
    FD 1,100/3,500
    Atom 200
    Prin 600/1,224.74
    Invest 313.68
    🏆 ⬆️ Total: £5,145.85

    Trading: £793.73
    Mortgage: £58,471.88
  • cathybird
    cathybird Posts: 15,589 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi beanielou! :wave: :) Hey it's good to have a shiny new thread :)

    hi Optimistic Saver and welcome! :) :wave: wow 20 is a tough target for December! :)
  • Optimistic_Saver
    Optimistic_Saver Posts: 321 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    edited 30 November 2019 at 5:12PM
    I'm so up for it, Cathybird! I have bought all my Christmas presents and have a tax bill looming at the end of January, so am as determined as a determined person can be. :)
    I ghost-followed the November NS challenge for the past 10 days and managed 7 out of 10. So fingers very much crossed....
    From Jan 25:
    4,419.92-1,957.50
    4,538-3,260
    3,240.18-3,240.18
    BL 1,900-1,120
    Total: 12,182.91-9,577.68
    🏆 ⬇️ by £2,605.23

    NSD July 4/18
    #58 1p: 226.97/667.95 212/365
    #18 52: 1,063.89/1,378 27/52
    #32 Make 2025: 941.31/2,025
    #20 12k: 5,145.85/5,000

    Vin 86.50
    YG YL 100
    Prol SB 311.81
    Bank 364.32
    Quid 100.03
    Ched 49.77
    Snap 20
    Books 4.02

    Monzo 2,232.17
    TSB 700/2,700
    FD 1,100/3,500
    Atom 200
    Prin 600/1,224.74
    Invest 313.68
    🏆 ⬆️ Total: £5,145.85

    Trading: £793.73
    Mortgage: £58,471.88
  • Thanks for the new thread Cathybird, have to say the merge of November and December threads did my OCD no good at all!!! Glad we’ve got a brand new, shiny happy thread for December x
  • cathybird
    cathybird Posts: 15,589 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm so up for it, Cathybird! I have bought all my Christmas presents and have a tax bill looming at the end of January, so am as determined as a determined person can be. :)
    I ghost-followed the November NS challenge for the past 10 days and managed 7 out of 10. So fingers very much crossed....


    Optimistic Saver, that's brilliant and you sound very organised and determined! Go for it :) :j:j:j
  • cathybird
    cathybird Posts: 15,589 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks for the new thread Cathybird, have to say the merge of November and December threads did my OCD no good at all!!! Glad we’ve got a brand new, shiny happy thread for December x

    lol sorry Happy Monday - just trying to gear up for the next month while we're winding down November! Really looking forward to December now :)
  • Dottles1
    Dottles1 Posts: 495 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Hi Cathybird, this is a great thread for making me think twice before I spend.
    Can you put me down for 8 for December please, I will be away from the 23rd and have a couple of events planned too.
    Thanks for hosting the thread
    CC1 Aug19 [STRIKE]£7587.85[/STRIKE] Aug 20 £0
    CC2 Aug 19 [STRIKE]£1185.58[/STRIKE] Aug 20 £0
    CC3 Aug 19 [STRIKE]£544.95[/STRIKE] Aug 20 £0
    O/D Aug [STRIKE]£20[/STRIKE] Sept [STRIKE] £100[/STRIKE] Oct £0
    CC4 Aug 2020 £0
    Total debt Aug 2019[STRIKE]£9318.38[/STRIKE] Aug 20 £0
  • Hi everyone. Thank you for the thread Cathybird.

    It's hard to gauge spending for this month, so I'll put down for 7.

    bln x
  • cathybird
    cathybird Posts: 15,589 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi Dottles1 :wave: and bestlifenow :wave: :), have updated the list to show your targets! :)
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