Magnificent May's NSD Challenge!
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Day 2 today...Cancel the kitchen scraps for lepers and orphans, no more merciful beheadings, and call off Christmas.2
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My NSD number 3 today.2
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NSD today... real pleased at the one as was travelling for work which always presents temptation to grab a coffee, magazine, snacks etc. Prepped really well so I took lunch and refreshments with meSavings goal by 31/12/24: £22000
Dec 23: £6945.232 -
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 18 Crazycatlady2 18 8hoovesarebetterthannone 1/10 GeorgianaCavendish 3/18 jammy dodger 1/14 KajiKita 2/15 KellyBelly leftatthetrafficlights 1/15 lianne1984 1/10 LittleMissDetermined 3/20 Makingabobor2 1/15 MrsCautious 3/16 QueenJess 1/15 Rupacomp 2/14 Saver-upper 3/15 short bird 2/14 StressedSteph 20
Newcomers welcome
In April I am taking a break from buying: Books
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Morning all, I'm back from Oz today, got in early this morning and very relieved to see the old text editor in place for now. Please let me know if I've got anyone's numbers wrong because it was quite a tiring flight! Nice to be back to a sunny spring day though. My NSDs will start tomorrow, have to pay for pet boarding while I was away today.In April I am taking a break from buying: Books
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It's another one for me today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017Sealed pot 2024 £3025.36 | EF £1000/£1000 | Sabbatical £1075/£3000 | Holiday spends £575 | General Saver £30114.482 -
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 -
Finally off the blocks today! I've spent a lot of cash over the past couple of days for household stuff but they're a long term investment so I'm okay with that!
1/15Tilly Tidy Fund 2024: £80.86/£100
Weight loss challenge 2024:
4/24lbs
1st quarter starting weight: 9st 13.1lb
2nd quarter starting weight: 9st 9.2lb
3rd quarter starting weight:
4th quarter starting weight:
GC 2024 - Annual Target: £2712- Running total:£764.12/£2712
Monthly Target: £226
Jan: £74.12; Feb: £300; Mar: £190; Apr: £200; May: £; Jun: £; Jul: £; Aug: £; Sep: £; Oct: £; Nov: £; Dec: £3 -
Day number one - hurrah!! My first day (in a long time) I've spent nothing 😁MBNA - 5004.05/[STRIKE]8854.99 [/STRIKE]Barclaycard - 9464.18/[STRIKE]8241.65[/STRIKE]Tesco - 3910.20Loans: Santander - 3395/[STRIKE]3984[/STRIKE] Toyato - 2192/[STRIKE]2329[/STRIKE]Student loan - 2410/[STRIKE]2550[/STRIKE] Overdraft - 2000/[STRIKE]1500[/STRIKE]Grand total 28759.54/[STRIKE]27459.54 [/STRIKE]@ 13.12.12[/CENTER2
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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!)SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.503
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