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Delightful December's NSD Challenge!
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Hi all
3/10 as of today - hopefully another 1 on Thurs0 -
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: £58,471.880 -
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.0 -
December
= off to a start!
= five days
= 10 days
= 15 days
= 20 days
= target reached
= target beaten
December targets
beanielou 14/15
bestlifenow 2/7
borollan 7/15
cathybird 9/15
delta13 6/12
Donkids22 1/10
Dottles1 7/8
Fivenations 6/15
Happy Monday 3/10
Honeysucklelou2 5/10
Ivysmom 3/10
MoneysavingmadGem 4/12
Ms W 4/15
Munchin 3/10
Optimistic Saver 11/20
Saver-upper 1/12
scotmumof3 6/12
shopaholicnumber1 8/15
SpekySquarehead 5/12
SSDD23 6/15
Thistimearound 5/12
Vanlady 6/12
Wishus 1/10:j ALL WELCOME TO JOIN!! :j0 -
Hi all
3/10 as of today - hopefully another 1 on ThursOptimistic_Saver wrote: »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.0 -
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%)0 -
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 money0
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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.0 -
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.
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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 moneySpekySquarehead wrote: »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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