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Delightful December's NSD Challenge!

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  • MoneysavingmadGem
    MoneysavingmadGem Posts: 219
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    Well I haven't kept up with recognising nsd! Been a few spendy ones with Xmas!
    Will be back in new year to do Jan challenge!
  • cathybird
    cathybird Posts: 17,049
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    MoneysavingmadGem wrote: »
    Well I haven't kept up with recognising nsd! Been a few spendy ones with Xmas!
    Will be back in new year to do Jan challenge!


    That's a shame, MoneysavingmadGem - you don't want to lower your target? You could go for 7 or 8, you've already got 3. Just a thought :)
  • cathybird
    cathybird Posts: 17,049
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    Vanlady wrote: »
    And it's an 8/12 for me today!
    Enjoy your works do's cathy and specky:rudolf::

    Well done Vanlady :) :j:j and thanks :)
  • shopaholicnumber1
    shopaholicnumber1 Posts: 153
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    December is a challenging month for NSDs! I managed one yesterday but it fell apart a bit today with some last minute (non-budgeted) spends :eek: And daughter's MOT tomorrow so who knows what that will cost me! Anyway, I've limped to 10 NSD's with 5 to go so it may be possible if I stop getting giddy!
    Mortgage: £81,154.58 (03/19) - £54,849 (02/24)
  • Optimistic_Saver
    Optimistic_Saver Posts: 388
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    Another sneaky little NSD for me, today, so 13/20. Hope you have a great time at your works' do, cathybird and Speky!
    March 26:
    MBNA 6,130 - 0% Feb 28
    HAL 10,125.91 - 0% Jul 27
    BL 320 - Ends Jul 26
    Total: 16,575.91 less 7,000 Marcus savings = 9,575.91
    ⬇️ to pay down by Oct 27

    NSD March 15/22
    Make 2026 in 2026:
    173.01/2,026
    Vinted, YouGov, Bank Int & Fairer Share, Prolific, Quidco, Cheddar & SnapMyEats

    Savings accounts:
    Co-op 273.01/3,000
    Principality 600/1,200
    FD 2,000/2,000
    Santander Saver 400/2,400
    Lloyds 800/4,800
    Cahoot 50/3,000
    Invest 349.93
    🏆 ⬆️ Total: £4,472.94

    Mortgage: £54,048.73
  • cathybird
    cathybird Posts: 17,049
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    shopaholicnumber1 wrote: »
    December is a challenging month for NSDs! I managed one yesterday but it fell apart a bit today with some last minute (non-budgeted) spends :eek: And daughter's MOT tomorrow so who knows what that will cost me! Anyway, I've limped to 10 NSD's with 5 to go so it may be possible if I stop getting giddy!


    Well done shopaholicnumber1 :) :T:T I think you're doing really well!
  • cathybird
    cathybird Posts: 17,049
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    Optimistic_Saver wrote: »
    Another sneaky little NSD for me, today, so 13/20. Hope you have a great time at your works' do, cathybird and Speky!

    Well done Optimistic Saver :) :j:j and thanks!
  • beanielou
    beanielou Posts: 101,784
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    Hope your lunch was good cathybird.
    Mine was dire but that's another story for another day.
    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.
    One debt remaining. Home improvement loan. 9 months left.
  • Thistimearound
    Thistimearound Posts: 84
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    Number 7 for me today :)
  • cathybird
    cathybird Posts: 17,049
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    beanielou wrote: »
    Hope your lunch was good cathybird.
    Mine was dire but that's another story for another day.


    Oh dear beanielou! I'm sorry to hear that. My lunch wasn't fantastic but at least it was free. The work canteen does it every year, offers a roast turkey lunch with wine. I'm not a huge fan of turkey or brussel sprouts but overall it was pretty nice really. Pudding you did have to pay for but when I asked about it the lady said "happy Christmas" and just gave it to me, plus an extra glass of wine! I can't complain. Why was yours so bad, or would you rather not say at this point? :(
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