Dazzling December's NSD Challenge!
cathybird
Forumite 9.4K Posts
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would
like to achieve during December. 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 
4. It also helps to bookmark the thread, it's much easier to find
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.
December
Off to a start = 
5 days = 
10 days = 
15 days = 
20 days = 
Target reached = 
Target beaten = 
2021 D: 93 2020 D: 96 2022 D: 0
2
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2021 D: 93 2020 D: 96 2022 D: 0
CC1:£5772.34/£6704.57 CC2:£2299.36 CC3: £1876.79/£1924.91 CC4:£953.50/£978.50
January NSD 7/10
Tilly Tidy 22 £5
PAYDBXMAS22 #44 £463.72/£4000
Love the smillies
**Credit card debt free 30/06/10~**
MFW. Finally mortgage free February 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.
It starts with you, it starts from now. *** It is ok to be me.***
***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
2021 D: 93 2020 D: 96 2022 D: 0
🌊 A smooth sea never made a skilled sailor 🌊
Christmas 2022 savings pot - £205 /£600 target
premium bonds - £2500 /£4000 target.
Tilly Tidy to mortgage for 2022 = £53.28
2021 D: 93 2020 D: 96 2022 D: 0
2021 D: 93 2020 D: 96 2022 D: 0
Last month i made target and have bought most of what i need for the holidays so I am going to put myself down for 17 days this month please.
Thank you cathybird for the shiny new thread 😍
SPC #73 January NSD 4/20