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Delightful December's NSD Challenge!
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After yesterday I'm on 3/12!
But
Today will be spendy - I'm treating my team to some lunch for a fab year's work (nothing super extravagant, probably pizza or something delivered to the office), and I owe OH some petrol money.Save £12k in 2022 = £3705.97/ £7,500 (49%)
Save £12k in 2021 #76 = £11,857.21/ £10,000 (118%)0 -
December
= off to a start!
= five days
= 10 days
= 15 days
= 20 days
= target reached
= target beaten
December targets
beanielou 7/15
bestlifenow 1/7
borollan 2/15
cathybird 5/15
delta13 3/12
Donkids22 1/10
Dottles1 2/8
Happy Monday 1/10
Honeysucklelou2 3/10
Ivysmom 1/10
MoneysavingmadGem 1/12
Ms W 1/15
Munchin 0/10
Optimistic Saver 4/20
Purplemumof2 0/10
Saver-upper 1/12
scotmumof3 2/12
shopaholicnumber1 3/15
SpekySquarehead 1/12
SSDD23 4/15
Thistimearound 2/12
Vanlady 2/12
Wishus 1/10 :j ALL WELCOME TO JOIN!! :j0 -
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Beanielou, I'm sure that's true, but I'm equally sure that there are many people equally as skint who are not as disciplined as you in how they deal with it xx
Absolutely, I agree with cathybird that you (or should I say 'I') can still find ways to spend money you don't have. And at the same time, being very very skint can focus the mind.... same here.
On that note, a large butternut squash and a packet of cat sticks have got in the way of a NSD for me, today. But I will reap the rewards of said purchases - with a tasty dinner, as OH is making butternut squash and parsnip soup, to go with his homemade bread. And will have a happy cat... All that happiness for £1.66 :rotfl: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: £58,471.880 -
Optimistic_Saver wrote: »On that note, a large butternut squash and a packet of cat sticks have got in the way of a NSD for me, today. But I will reap the rewards of said purchases - with a tasty dinner, as OH is making butternut squash and parsnip soup, to go with his homemade bread. And will have a happy cat... All that happiness for £1.66 :rotfl:
Optimistic Saver, the soup sounds delicious! Yum
My NSD plans have been severely tested by my realization when I got to work that though I had packed lunch for myself I'd failed to include my usual chocolate bar :eek: Normally speaking, a kind colleague buys choccy bikkies to hand round on a Friday after lunch ... may have to depend on him to get my chocolate fix today :rotfl:0 -
Afternoon everyone.
Hope you got your chocolate fix cathy bird
Optimistic saver, love the sound of your soup and bread! I'm also going to make a spicy lentil soup with HM bread for my dinner, one of my favourite meals.
Oh dear, I'm still on 2/12 NSD as today I bought the frozen peas, along with a few other items. I thought, well, if I'm gonna scupper a NSD might as well go for it!
Tomorrow I'm heading out to a local Xmas market. It remains to be seen whether it will be a NSD but I will try my best as there really isn't anything at all that we need.
Good luck everyone.0 -
Afternoon everyone.
Hope you got your chocolate fix cathy bird
Optimistic saver, love the sound of your soup and bread! I'm also going to make a spicy lentil soup with HM bread for my dinner, one of my favourite meals.
Oh dear, I'm still on 2/12 NSD as today I bought the frozen peas, along with a few other items. I thought, well, if I'm gonna scupper a NSD might as well go for it!
Tomorrow I'm heading out to a local Xmas market. It remains to be seen whether it will be a NSD but I will try my best as there really isn't anything at all that we need.
Good luck everyone.
I did get the chocolate fix, thank you Vanlady My colleague bought white chocolate rocky road-style sweets, and they did the trick. Re soup, spicy lentil soup is one of my favourites too. It's especially good with a little cooked chorizo added in at the end, I reckon.
It's nice to visit Christmas markets, even if you don't buy anything, because it definitely adds to the festive atmosphere at this time of year. :xmassmile0 -
Hi Everyone
NSD number 2 for me today Debt free as of 29.10.2020 🎉😁
SPC #73 Feb NSD 0/200 -
No 6 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
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