SPC #29 SPC13(2020)=£62.55
2021 NSDs: Jan12/10 Feb14/15 March 5/15
2020 𝙉𝙎𝘿𝙨: May16 June9 Oct10 Nov14 Dec6
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Marvellous May's NSD Challenge!
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Hiya all
Thanks for another thread cathybird and for the lovely target emojis
I'm going to put myself down for 15 again to help build confidence up again before I start going for higher numbers; am also aiming NOT to spend anything on a credit card again this month.
Mind you the sheep will, I hope, encourage me to push myself
Good newsI have done 2 already, Thursday and today
I counted yesterday as a spendy even though it was only getting electric; counting it cos basically I was too lazy to go shopping on the same day and so know will have to have one next week for that which hopefully will slap me out of being lazy in the next period of days off I have. Found that really kept me focussed before, I don't count days that I have DDs going out of the bank though......not that organised LOL
SuperSavingD, so sorry about the sad loss of one friend's nan but fantastic that the other lady is recovering
Living in the black- that's what's so lovely in here; kind of make up 'rules' that suit ourselves. Some people don't count essential spends and some do, some people do their spending on days when direct debits go out and not other days. Find out what fits for you and do that
DFD Need to August 2027
NSD March 15/20
NSD April 17/15
NSD May 13/15
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Thanks Cathy and Kathy
Thing is, I know how my mind works... if I included every spend then I would see a day I have bought groceries that I need as a lost cause, and would go spend crazy on these days. In my mind I would have lost the NSD anyway so may as well make the most of it. I'm sure that says a lot about me but nevermind 😳😁 If I make a list of what basics are passible (milk etc.) and what are not (biscuits, crisps...) then I am likely to actually curb spending.1 -
So get that Livinginthe Black
Mine kind of works like that too
That's why I have found this lockdown has helped too; I go out with a list and get out of the shops as fast as possible!!
DFD Need to August 2027
NSD March 15/20
NSD April 17/15
NSD May 13/15
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MayOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =May targetsbloomfelt 20Butticathybird 2/15delta13 1/15doingitanyway 2/20Dottles1 1/20Honeysucklelou2 1/12jammy dodger 1/18karenccs67kathy40uk 2/15LivingInTheBlack 2/15MoneysavingmadGem 2/18Money Choicesoutoftheviciouscircle 2/15savvylondoner 1/15shopaholicnumber1short_bird 1/18SSDD23 15SuperSavingD 1/15TrushTush 2/25Van_Girl 20ALL WELCOME TO JOIN!
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Well done kathy40uk
and thanks for your kind words on the emojis, happy when people like them
I don't count DDs either. I agree with you, the thing with these challenges is they have to be sustainable, much better to set something up you can stick with and that really helps rather than something that will drive you mad or is just too hard over time.
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Hi all firs NSD for m today woo hoo!!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 £02 -
Hey everybody 2/15 for me todayTotal debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%1 -
Day 1/18 today‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.0 -
Well done Dottles, outoftheviciouscircle and short bird
Everyone is off to such a great start
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I haven't spent anything today so 2/15 for me.
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