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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! 
  • cathybird
    cathybird Posts: 15,650 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 29 May 2023 at 11:03PM
    May

    Off to a start = image
    5 days = image
    10 days = image
    15 days = image
    20 days = image Target reached = image Target beaten = image
    May targets
    Adeley 3/15 image Ancessitere 5 beanielou 22/15 imageimageimageimageimageimageimage cathybird 20/15 imageimageimageimageimageimageimage craftingmad 4/18 image Crazycatlady2 19/18 imageimageimageimageimageimage 8hoovesarebetterthannone 3/10 image GeorgianaCavendish 20/18 imageimageimageimageimageimageimage jammy dodger 15/14 imageimageimageimageimageimage KajiKita 20/15 imageimageimageimageimageimageimage leftatthetrafficlights 11/15 imageimageimage lianne1984 9/10 imageimage LittleMissDetermined 19/20 imageimageimageimage Makingabobor2 12/15 imageimageimage MrsCautious 9/16 imageimage QueenJess 13/15 imageimageimage Rupacomp 11/14 imageimageimage Saver-upper 17/15 imageimageimageimageimageimage short bird 15/14 imageimageimageimageimage StressedSteph 20
    Newcomers welcome :)
  • cathybird
    cathybird Posts: 15,650 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 29 May 2023 at 11:05PM
    image

    Yes there's a shiny new month just round the corner, any thoughts on targets? ... image

    June targets
    beanielou 20
    cathybird 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 :)
  • cathybird
    cathybird Posts: 15,650 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
  • short_bird
    short_bird Posts: 4,020 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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.
  • KajiKita
    KajiKita Posts: 7,673 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD today and yes @cathybird it is a completely different and really helpful mindset 😊

    KK
    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. 
  • lianne1984
    lianne1984 Posts: 303 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    NSD #9 for me today
    February 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 lbs

  • beanielou
    beanielou Posts: 95,580 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • Rupacomp
    Rupacomp Posts: 305 Forumite
    Fourth Anniversary 100 Posts Name Dropper Photogenic
    An NSD today!
    Savings goal by 31/12/24: £22000
    Dec 23: £6945.23
  • Saver-upper
    Saver-upper Posts: 2,348 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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
    I have found exactly the same thing cathybird. I have never been a big spender- I actually hate shopping, especially for clothes and shoes. And I hate having lots of clutter around the house ( being a home organiser has that affect.....). But somehow, the money drains away. 

    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 #17
    SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £301,Valued Opinions £10.50





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