Awesome August's NSD Challenge!

This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during August. To join, just post your personal target and you are on your way!

Tips for the challenge:
1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve. If you've never done the challenge before, it's probably better to start with a goal of 10 or (at most) 15.
2. It is fine to exclude necessary expenses eg petrol, groceries, pet food, etc, when it comes to deciding what is and isn't an NSD. It is also completely fine to exclude automated or recurring payments such as bills, mortgage or direct debits.
3. It does help to post every time you notch up an NSD, or at least every two or three days ... it's easy to lose track! If you want to keep track of your NSDs in your MSE signature, that can be really motivating too image
4. It also helps to bookmark the thread, it's much easier to find image
5. NSDs are trickier than they seem and easily derailed. It makes the challenge much easier if you notch up as many as you can in the first half of the month.

August

Off to a start = image
5 days = image
10 days = image
15 days = image
20 days = image Target reached = image Target beaten = image

2021 D: 93 2020 D: 96 2022 D: 15
«13456725

Comments

  • cathybird
    cathybird Posts: 12,952
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    edited 31 July 2021 at 9:20PM
    August targets
    allie23 15
    beanielou 15 cathybird 15 CRANKY40 10 darannah 10 doingitanyway 8 GeorgianaCavendish 15 Hazelnutty Honeysucklelou2 12 jammy dodger 15 MissRikkiC Money Choices 15 QueenJess 15 Purplemumof2 Sallyp2 short bird 17 squanderscouse taskey WinterWarrior 15
    Newcomers welcome :)

    2021 D: 93 2020 D: 96 2022 D: 15
  • Hi

    Please can you put me down for 15 NSDs this month.

    Thanks

    Money Choices
    25 July 2020 Starting Credit Card Debt £9,717.59 , Debt 27 Dec 2021 £9.550. 1 Jan 23 -£7,030.84 Debt. 30 December 23 DEBT FREE Declutter Challenge 1/50 bin bags,SPC 17 number 061 NSD challenge Jan 24 10/10, Feb 24 6/10 Grocery Challenge Jan 24 £98.44/£150 Feb 24 £113.14.
  • beanielou
    beanielou Posts: 89,260
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    Thank you as always @cathybird for the shiny new thread  :grin:
    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 [email protected]. All views are my own & not the official line of Money Saving Expert.

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    "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.
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  • cathybird
    cathybird Posts: 12,952
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    QueenJess said:
    Just in case anyone is following these threads and deliberating whether to join or not, you should definitely give it a go.

    I heard about NSDs years ago, but never tried it until a couple of months ago. I always thought I was good at budgeting and believed that doing NSDs would just mean I did the same purchases, but all piled into fewer days. It is not the case...

    Firstly it makes you think twice about spontaneous unplanned purchases. After they go on my mental list I often decide there is an alternative or I just don't want them anymore come the next day or two. It is also eye opening how many times in a month you actually get your money out - it is always more than you think!

    Although I'm not in debt, joining this challenge has helped me work towards my money goals quicker, made me more aware of what I am actually buying and helping me reduce my carbon footprint (which is important to me).

    So give it a go 😊. And thanks to @cathybird for doing a sterling job of keeping track 👏
    QueenJess, what a really great thing to say!! All true, it's just not usually spelt out so clearly! :):)

    2021 D: 93 2020 D: 96 2022 D: 15
  • QueenJess
    QueenJess Posts: 3,612
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    Declaring a NSD early today.
    2024 decluttering: 4,349 ⭐️🥉⭐️🏅🏅🥈 ⭐️
    2024 decluttering goals: 🥉3,000 🥈4,000 🥇5,000 💎12,000 🏆 20,000
  • Hello missed out on the last couple of months, can I join in again please for August as need to stop being spendy ! I’m not sure what my previous number was if it’s still available? 
    Pay ALL your debt off by Xmas 2021 no 50 Target for this year £12,000 
    Pay all your debt off by Xmas 2022 target £15,000 pd £7969.95 / 15,000
    SPC 2022/23 014
    Pay all of your debt off by XMAS 2023
     #no 28 target £11,200.00



  • WinterWarrior
    WinterWarrior Posts: 5,302
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    Declaring early for NSD 1 today please. I will probably get fuel today, but that is in the budget and accounted for so doesn’t count in my personal NSD challenge. I agree with @QueenJess, this is such a useful friendly way to keep track…and declaring early really keeps me focused ⭐️
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊
    2024 challenges - (1) £8k savings challenge = £900 so far (2) 1 stone weight reduction = 0 so far
    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • cathybird
    cathybird Posts: 12,952
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    August

    Off to a start = image
    5 days = image
    10 days = image
    15 days = image
    20 days = image Target reached = image Target beaten = image
    August targets
    allie23 15 beanielou 15 cathybird 1/15 image CRANKY40 10 darannah 10 doingitanyway 8 GeorgianaCavendish 15 Hazelnutty Honeysucklelou2 12 jammy dodger 15 MissRikkiC Money Choices 15 QueenJess 1/15 image Purplemumof2 Sallyp2 short bird 17 squanderscouse taskey welshspendthrift WinterWarrior 1/15 image
    Newcomers welcome :)

    2021 D: 93 2020 D: 96 2022 D: 15
  • cathybird
    cathybird Posts: 12,952
    First Post Name Dropper First Anniversary Photogenic
    Forumite
    Hello missed out on the last couple of months, can I join in again please for August as need to stop being spendy ! I’m not sure what my previous number was if it’s still available? 
    hiya welshspendthrift image Good to see you! What target would you like? image

    2021 D: 93 2020 D: 96 2022 D: 15
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