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Magnificent May's NSD Challenge!
Comments
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@Saver-upper Fuel & public transport are two of the things that can just be automatically excluded anyway so you are fine to exclude the bus ticket!! Yay for Australia, it's good to be home though xSaver-upper said:So, today was looking like a NSD. (For years, my only exceptions for spending have been milk, bread, and diesel). About 10 minutes ago, this late at night, my son came and asked if I could buy him his monthly bus ticket
So I have bought that for him, but am still going to claim this an NSD because I know I buy this for him every month, and if I'd thought of it, I would have bought it yesterday, which was a spendy day anyway. I haven't actually had an unexpected spend. Just wish I'd thought to offer to buy it for him yesterday.
In March I had exactly the same thing happen. At the end of a NSD, son asks if I can buy his ticket. And it had been a month of days where I'd lost lots of NSDs due to a single spend (dentist, bus ticket, school lunches for either of my school-aged daughters, dog food......)
So for April I thought of all those silly ways I'd lost NSDs, and made a list. I told myself I would aim to buy all these items on the same day. So, when I am having a spend day anyway, I ask myself if I also need bus tickets, school lunches, dog food, diesel, milk and bread. It meant that last month was my best ever NSD month (18 days
)
So today has been NSD#3, thank you cathybird.(And welcome home from my home country!)
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Whoops - just realised I have not posted my progress

I'm up to 4 NSD's so far and I'm hoping for another one today
Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.023 -
Declaring early for an NSD today 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
One NSD for yesterday and another for today.2026 decluttering: 457 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️
2026 use up challenge: 150🥉 ⭐️🥈🥇 ⭐️ ⭐️💎
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3002 -
Morning! Claiming another one early today

LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60003 -
NSD #4 today please
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MayOff to a start =5 days =


10 days =
15 days =
20 days =
Target reached =
Target beaten = 
May targets
Adeley 3/15
Ancessitere 5
beanielou 4/15
cathybird 15
cherry 22
craftingmad 4/18
Crazycatlady2 18
8hoovesarebetterthannone 1/10
GeorgianaCavendish 4/18
jammy dodger 3/14
KajiKita 3/15
leftatthetrafficlights 1/15
lianne1984 1/10
LittleMissDetermined 4/20
Makingabobor2 1/15
MrsCautious 3/16
QueenJess 3/15
Rupacomp 2/14
Saver-upper 3/15
short bird 3/14
StressedSteph 20
Newcomers welcome
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Morning all, I'm still pretty jet-lagged so please forgive any mistakes! Let me know if I've made any and I'll fix them.
3 -
hello day 3!‘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.4 -
2 more to add thanks cathybird x4
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