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Delightful December's NSD Challenge!

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  • Munchin
    Munchin Posts: 2,816 Forumite
    Part of the Furniture 1,000 Posts Photogenic Debt-free and Proud!
    Hi all

    3/10 as of today - hopefully another 1 on Thurs
  • Another No Spend Day for me today - thanks to freebie mystery shopper lunch out. So 11/20 so far. Need to get some fruit and veg tomorrow, so next NSD likely to be Wednesday.

    I am loving this frugal living approach. Motivated by necessity (as income and expenditure not matching up at the mo :() but - it really is making me more thoughtful and considered about what I do and don't 'need'.
    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
  • beanielou
    beanielou Posts: 95,538 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Lots of wee spends 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.
  • cathybird
    cathybird Posts: 15,639 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 17 December 2019 at 11:33PM
    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 14/15 NXw3UtD.gifKGtHOcB.gifuT2NDvk.gif
    bestlifenow 2/7 NXw3UtD.gif
    borollan 7/15 NXw3UtD.gifKGtHOcB.gif
    cathybird 9/15 NXw3UtD.gifKGtHOcB.gif
    delta13 6/12 NXw3UtD.gifKGtHOcB.gif
    Donkids22 1/10 NXw3UtD.gif
    Dottles1 7/8 NXw3UtD.gifKGtHOcB.gif
    Fivenations 6/15 NXw3UtD.gifKGtHOcB.gif
    Happy Monday 3/10 NXw3UtD.gif
    Honeysucklelou2 5/10 NXw3UtD.gifKGtHOcB.gif
    Ivysmom 3/10 NXw3UtD.gif
    MoneysavingmadGem 4/12 NXw3UtD.gif
    Ms W 4/15 NXw3UtD.gif
    Munchin 3/10 NXw3UtD.gif
    Optimistic Saver 11/20 NXw3UtD.gifKGtHOcB.gifuT2NDvk.gif
    Saver-upper 1/12 NXw3UtD.gif
    scotmumof3 6/12 NXw3UtD.gifKGtHOcB.gif
    shopaholicnumber1 8/15 NXw3UtD.gifKGtHOcB.gif
    SpekySquarehead 5/12 NXw3UtD.gifKGtHOcB.gif
    SSDD23 6/15 NXw3UtD.gifKGtHOcB.gif
    Thistimearound 5/12 NXw3UtD.gifKGtHOcB.gif
    Vanlady 6/12 NXw3UtD.gifKGtHOcB.gif
    Wishus 1/10 NXw3UtD.gif
    :j ALL WELCOME TO JOIN!! :j
  • cathybird
    cathybird Posts: 15,639 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Munchin wrote: »
    Hi all

    3/10 as of today - hopefully another 1 on Thurs
    Another No Spend Day for me today - thanks to freebie mystery shopper lunch out. So 11/20 so far. Need to get some fruit and veg tomorrow, so next NSD likely to be Wednesday.

    I am loving this frugal living approach. Motivated by necessity (as income and expenditure not matching up at the mo :() but - it really is making me more thoughtful and considered about what I do and don't 'need'.

    Well done Munchin :) :T:T and Optimistic Saver :) :T:T

    The frugal living approach really helps me too ... even though some days don't work out as planned. :o
  • delta13
    delta13 Posts: 322 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    Hi all! Sorry I've been a bit MIA, working unsociable hours + prepping for the work Xmas do makes for a tricky mix.
    Which is why I've only had one additional NSD so I'm only on 5/12 - I was hoping to do much better, but the early mornings made me quite forgetful and I everyday except one was a spendy day. I couldn't even tell you which day was spend-free - I just know I've had one since my last update because I wrote it on a post it note one so I wouldn't forget!

    Tomorrow should be a NSD - I have enough food in the house and taking lunch into work with me.
    Save £12k in 2022 = £3705.97/ £7,500 (49%)
    Save £12k in 2021 #76 = £11,857.21/ £10,000 (118%)


  • Today will be 6/15, i do need some cotton wool pads but I will use my boots points instead to get them rather than spending any money :)
  • Only had my usual £2 yoga class yesterday which is all budgeted and accounted for, meaning I'm up to 5 NSD's.

    I need to do some thinking tonight on whither I need to buy a few more Xmas gifts today, but I think I'm going to get a voucher at the weekend instead, so I should manage a NSD today too. Something from the freezer for dinner.
  • cathybird
    cathybird Posts: 15,639 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    delta13 wrote: »
    Hi all! Sorry I've been a bit MIA, working unsociable hours + prepping for the work Xmas do makes for a tricky mix.
    Which is why I've only had one additional NSD so I'm only on 5/12 - I was hoping to do much better, but the early mornings made me quite forgetful and I everyday except one was a spendy day. I couldn't even tell you which day was spend-free - I just know I've had one since my last update because I wrote it on a post it note one so I wouldn't forget!

    Tomorrow should be a NSD - I have enough food in the house and taking lunch into work with me.


    Well done on the NSD Delta13 :) :T:T Re the early mornings, I'm sure you probably do this anyway and it's just a thought but I find it saves me a lot of time in the morning if I get things ready the night before - I pack a lunchbox and stick it in the fridge overnight, and put my laptop and anything else I need in my bag. With me it's more that I tend to wake up pretty slowly though! I don't know how you do 5ams, especially at this time of year, I'd find it really tough.
  • cathybird
    cathybird Posts: 15,639 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    SSDD23 wrote: »
    Today will be 6/15, i do need some cotton wool pads but I will use my boots points instead to get them rather than spending any money :)

    Only had my usual £2 yoga class yesterday which is all budgeted and accounted for, meaning I'm up to 5 NSD's. I need to do some thinking tonight on whither I need to buy a few more Xmas gifts today, but I think I'm going to get a voucher at the weekend instead, so I should manage a NSD today too. Something from the freezer for dinner.


    Well done SSDD23 :) :T:T and Speky :):T:T:T Fantastic efforts :)
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