Joyous January's NSD Challenge!

GeorgianaCavendish

NSD #14 today  

GeorgianaCavendish

SueP19 said:

bekah89 said:

SueP19 said:

Query.....do most of ypu exclude dd's? Not sure what to do 

Yes I exclude them, any budgeted for expenses are excluded I think 

Thanks I think I might exclude them too, they are a pain lol

I exclude them as well, they are already budgeted for when I get paid and the money is transferred over to my DD account to handle them so I consider that I've already "spent" that money (even if it takes 3+ weeks to be debited from that account). 

SueP19

GeorgianaCavendish said:

SueP19 said:

bekah89 said:

SueP19 said:

Query.....do most of ypu exclude dd's? Not sure what to do 

Yes I exclude them, any budgeted for expenses are excluded I think 

Thanks I think I might exclude them too, they are a pain lol

I exclude them as well, they are already budgeted for when I get paid and the money is transferred over to my DD account to handle them so I consider that I've already "spent" that money (even if it takes 3+ weeks to be debited from that account). 

That's a really good point that they are spent already 👍

cathybird

SueP19 said:

Query.....do most of ypu exclude dd's? Not sure what to do 

Yes they're definitely out! It's part of the rules: "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." Although I guess people could include a subscription or recurring payment if they felt it was an extravagance? But in general definitely leave out direct debits xx

cathybird

January

Off to a start =

5 days =

10 days =

15 days =

20 days =

Target reached =

Target beaten =

January targets

Adeley 5/25

Arwen 1/10 beanielou 19/15 bekah89 14/15 cathybird 15/15 cherry 22 8/10 CMD79 9/16 craftingmad 3/15 Crazycatlady2 16/20 Diane1276 10 funfairprincess 3/10 GeorgianaCavendish 14/17 gm2917 8/15 HappyFriday05 6/8 herebeme 9/15 jammy dodger 14/18 KajiKita 13/15 Karb 6/15 Lanky larry 10/20 leftatthetrafficlights 10/15 lindsaygalaxy 7/15 LittleMissDetermined 10/10 LLM2018 12/20 Makingabobor2 12/15 Money Choices 15 MrsCautious 15/15 MummyRivett 11/25 newroadahead 9/10 outoftheviciouscircle 7/15 QueenJess 12/20 Rupacomp 9/15 Saver-upper 10/15 short bird 12/18 SueP19 4/10 try harder 11/21
Newcomers welcome

Crazycatlady2

NSD on Wednesday please and NSD Thursday too 

newroadahead

Another NSD yesterday so 9/10 needed some bits today so not one for today. this has been more by me not being well than planned to be honest.

Thank you Cathybird

NRA

jammy_dodger

SueP19 said:

Query.....do most of ypu exclude dd's? Not sure what to do 

i  exclude  DDs  they  cant be  avoided sadly    14/18   for  me   today  thanks  cathybird

beanielou

SueP19 said:

Query.....do most of ypu exclude dd's? Not sure what to do 

I do.

One today.

beanielou

I exclude cat food but if I choose to buy her a new toy then I would have to count it sadly.