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Magnificent May's NSD Challenge!
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An unexpected NSD #20 today - thought I’d be paying for brunch out but was unexpectedly treated to it!
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MayOff to a start =5 days =
10 days =
15 days =
20 days =Target reached =
Target beaten =
May targets
Adeley 3/15Ancessitere 5 beanielou 22/15
cathybird 20/15
craftingmad 4/18
Crazycatlady2 19/18
8hoovesarebetterthannone 3/10
GeorgianaCavendish 20/18
jammy dodger 15/14
KajiKita 20/15
leftatthetrafficlights 11/15
lianne1984 9/10
LittleMissDetermined 19/20
Makingabobor2 12/15
MrsCautious 9/16
QueenJess 13/15
Rupacomp 11/14
Saver-upper 17/15
short bird 15/14
StressedSteph 20
Newcomers welcome
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Yes there's a shiny new month just round the corner, any thoughts on targets? ...June targetsbeanielou 20cathybird 15 craftingmad Crazycatlady2 20 8hoovesarebetterthannone GeorgianaCavendish 17 jammy dodger KajiKita 15 leftatthetrafficlights lianne1984 LittleMissDetermined Makingabobor2 MrsCautious QueenJess Rupacomp Saver-upper 15 short bird 18
Newcomers welcome
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Not one for me, a friend has found a cheap and tempting restaurant deal so we have bought vouchers.
I just wanted to say that one of the ways this challenge has really helped me, because I used to be very spendy back in the day, is that I think of pretty much every day as a no-spend day now, so my default is just that I'm not spending money, unless it's a designated day where I am, in which case I usually put through several things that have been waiting on a list. Whereas before, back in the day, I would have thought of pretty much every day as a spendy day, so it followed that I was always spending money without thinking too hard about it. I just don't think like that now. The default "not spending" mindset is automatic. It's good, it really helps with being frugal and keeping track of things.Do other people find that? x
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I think I might have finished for May 😂‘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.2 -
As at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
NSD #9 for me todayFebruary NSDs: 0 / 10
February PADs: 2 / 29
February Groceries Challenge: £59 / £250
February Make £5 a Day: £255 / £145
Current Debt: £3159 | CC £1490 | N £571 | C £725 | E £373
Weight Loss Challenge 2024: 0 lbs2 -
Sorry cathybird. Up to 20 please.
One today.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 forumteam@moneysavingexpert.com. 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.2 -
An NSD today!Savings goal by 31/12/24: £22000
Dec 23: £6945.232 -
cathybird said:Not one for me, a friend has found a cheap and tempting restaurant deal so we have bought vouchers.
I just wanted to say that one of the ways this challenge has really helped me, because I used to be very spendy back in the day, is that I think of pretty much every day as a no-spend day now, so my default is just that I'm not spending money, unless it's a designated day where I am, in which case I usually put through several things that have been waiting on a list. Whereas before, back in the day, I would have thought of pretty much every day as a spendy day, so it followed that I was always spending money without thinking too hard about it. I just don't think like that now. The default "not spending" mindset is automatic. It's good, it really helps with being frugal and keeping track of things.Do other people find that? x
Since I started doing this challenge every month (I have previously dropped in and out over the years), I have started with the assumption that every day is an NSD. And I wait until I have a few things I need to buy, and get them all on the same day, which caused the number of NSDs I was getting each month to leap!! This thread certainly keeps me accountable- I am sure I would treat myself to coffee and cake, or brunch out, more often than I do, if I wasn't doing this challenge.
I was working today, which makes NSD's easier to get.
NSD #17SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.502
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