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
«13456727

Comments

  • cathybird
    cathybird Posts: 12,980
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    edited 31 July 2022 at 10:12PM
    August targets
    Adeley 10
    beanielou 15 bekah89 cathybird 15 CMD79 15 Crazycatlady2 15 Elisheba GeorgianaCavendish 10 Honeysucklelou2 jammy dodger 15 Keedie 10 LittleMissDetermined 10 mmereeshar Money Choices QueenJess 12 sazzles01234 short bird 15 sunshine raincloud Tahlullah.H 15 Viki2410 WinterWarrior
    Newcomers welcome :)

    2021 D: 93 2020 D: 96 2022 D: 15
  • Keedie
    Keedie Posts: 2,117
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    Hi @cathybird thanks for doing this thread, it really is appreciated. I just completely failed at July 2022 so starting afresh can you please put me down for 10 days in August. Thanks x

    Debt Free Diary:- The Mental Debt Struggle
    Debt Tracking Restart Take 3 from 01/05/2023 = £23,643.30 (8 creditors) So, on 26/02/2024 = £14,193.30/£23,643.30 (2 creditors) = 60.03% repaid Aiming to be Debt Free = 31/12/2025
    THE BURDEN RESTART TRACKER:- Bank of Mum 3 - school fees (£3,350/£3,800) 88.16% repaid || Barclaycard (£5,166.23/£14,166.23) 36.47% repaid
    🎉 TUI (£2,276.04/£2,276.04) 100% repaid || Bank of Mum 1 - car (£150/£150) 100% repaid || Bank of Mum 2 - family holiday (£300/£300) 100% repaid || MBNA (£875/£875) 100% repaid || Creation (£1,070/£1,070) 100% repaid || Sky Mobile (£1,006.03/£1,006.03) 100% repaid 🎉
    (Original Debt on 15/07/2016 was £33,056.76) 🙈
    2024 SAVINGS:- Emergency Fund (£100/£1,000) 10% saved || #5 50 Envelope Challenge 5/50
    2024 CHALLENGES:- #30 Debt Free by Xmas 2024 (£680/£6,750) 10.07% repaid ~ Q1 Target £680/£1,350 (50.37% repaid) || Debt Buster Overpayment Pot £0/£250 (0% debt neutral) || #9 100 Steps to Debt Free 10/100 steps || February 2024 Grocery Challenge £199.94/£250
  • beanielou
    beanielou Posts: 89,292
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Thanks as always for the shiny new thread @cathybird :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.

    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.
  • Happy new thread! Thanks for setting this up Cathy. Let the NSD games commence 😉
  • CMD79
    CMD79 Posts: 751
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    Going to be a busy month, DH changing jobs, eldest finishing part time job to start an apprenticeship, step dad here firing new bathroom, mum busting for my 40th and 2 eldest children away for a few days then back as school starts argh must try not to spend other than what is actually needed 
    Good luck! It's your 40th too though, so around the busy days, enjoy yourself! It's a special month for you xxx
    November 2023

    I'm always in it, it's only the depth that varies....

    Current debt: £10,806.75
    Debt free date April 2025 (though expecting this to come forward)


  • CMD79
    CMD79 Posts: 751
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    August eh?!

    Well, thanks @cathybird again for setting this up/keeping us going!  I only did a last few days, but the difference in not spending over the few days post pay day, will help me MASSIVELY in August, particularly as between pay days is a huge 33 days this month. Mentally though, having a load of money in my account for a few days, has also felt pretty good, if slightly nerve wracking.

    I'm going on lots of little trips during August, so I need to make sure I don't spend on the days in between!

    Good luck everyone!  B)


    November 2023

    I'm always in it, it's only the depth that varies....

    Current debt: £10,806.75
    Debt free date April 2025 (though expecting this to come forward)


  • beanielou
    beanielou Posts: 89,292
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Ambassador
    I too have a big birthday this month.
    Had not thought of the whole of the month being special though!

    Kicking off with no 1.

    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.

    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.
  • short_bird
    short_bird Posts: 3,621
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    Early call for day 1: this will probably be the only one for the next week.
    Cancel the kitchen scraps for lepers and orphans, no more merciful beheadings, and call off Christmas.
  • cathybird
    cathybird Posts: 12,980
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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
    Adeley 10 beanielou 1/15 image bekah89 cathybird 1/15 image CMD79 15 Crazycatlady2 15 Elisheba GeorgianaCavendish 10 Honeysucklelou2 jammy dodger 15 Keedie 10 LittleMissDetermined 10 mmereeshar Money Choices QueenJess 12 sazzles01234 short bird 1/15 image sunshine raincloud Tahlullah.H 15 Viki2410 WinterWarrior
    Newcomers welcome :)

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