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Oofy omtimistic Octobers NSD challange.

edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
254 replies 13.7K views
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  • Honeysucklelou2Honeysucklelou2 Forumite
    2.7K posts
    1,000 Posts Third Anniversary Name Dropper
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    NSD number 2 today...:)
    paydbx2020 #93 £963.42/£10,025 . 1 debt 100 days 35 £140/£1820
    EF £70. SPC 141


    # savings# £32 . Oven. £254/£403 H2S £50
  • Chandelier.Chandelier. Forumite
    933 posts
    Debt-free and Proud!
    ✭✭✭
    How do you all define a NSD? Do you include budgeted food/petrol as a spend?

    I'm just not sure how to work somethings out. There are things I have already budgeted for that I put the money to one side until payment is due. These include food/petrol spends, extra curricular activities etc
    Chandelier.
    Current Debt Repaid:
    £104/£619.

    Check out my Diary
    :D
  • SSDD23SSDD23 Forumite
    2.5K posts
    1,000 Posts Name Dropper First Anniversary I've been Money Tipped!
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    Spend day today as I got to the gym and realised I hadn't brought any tights for work so had to dive into Tesco's and pick some up or else have cold bare legs all day!

    The dye was okay, had to get a darker shade than the one I wanted, so it's a dark blonde but it'll go to a nice colour after a few washes :)
    VSP #12 £102.63
    LISA - £87.37
    EF - £0.00
  • A planned spendy day for me as the car is coming back from the garage today and I know I will have to put fuel in it. So in an effort to make tomorrow and NSD I also popped to Icel&nd to get milk and top up the freezer with fruit and veg for SW, before work.

    I have a £2.00 bonus and 10% off for getting a clubcard for them through SW, so made the most of it! I now have enough loo roll until the end of Nov :D
    Debt at LBM 27 Sept 2010 £40,640.17:o Debt now £1700 on one credit card 0% :D and £4,000 on an Ikea kitchen 0%

    Make £10 a day in Oct £235.88/£260:D NSD's in OCT 1/15
  • no spend day #3 for yesterday

    today was a spend day -
    I purchased a few things for our wedding today & had coffee because well.
    my family life has gone from rebuilding my relationship with everyone to my auntie and cousin ripping it all away from me and now have no family - currently. Coffee helped to calm me down and focus on wedding stuff on the bus home

    (i'm ill because of my back,headache and family stress gave me a huge migraine that won't go away even with codine! )
    :heartpuls Getting married 21.09.19 :heartpuls
    Emergency Savings - £15.55 / £1,000 :heart: XMAS '19 Savings - £0.00 / £365 :heart: Holiday savings - £6.00(SA) £00 (PB)
  • beanieloubeanielou Forumite
    71.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    How do you all define a NSD? Do you include budgeted food/petrol as a spend?

    I'm just not sure how to work somethings out. There are things I have already budgeted for that I put the money to one side until payment is due. These include food/petrol spends, extra curricular activities etc


    It is up too you.

    I for eample dont count food, petrol if in budget.
    I dont count yoga or cat expenses.

    For me I am trying to cut out unbudgeted spends & unplanned spends.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • beanieloubeanielou Forumite
    71.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    TizerCat wrote: »
    A planned spendy day for me as the car is coming back from the garage today and I know I will have to put fuel in it. So in an effort to make tomorrow and NSD I also popped to Icel&nd to get milk and top up the freezer with fruit and veg for SW, before work.

    I have a £2.00 bonus and 10% off for getting a clubcard for them through SW, so made the most of it! I now have enough loo roll until the end of Nov :D

    Do you know how long we can use the 10% off bonus card for?
    Hopefully a long time!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • beanieloubeanielou Forumite
    71.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    apricity wrote: »
    no spend day #3 for yesterday

    today was a spend day -
    I purchased a few things for our wedding today & had coffee because well.
    my family life has gone from rebuilding my relationship with everyone to my auntie and cousin ripping it all away from me and now have no family - currently. Coffee helped to calm me down and focus on wedding stuff on the bus home

    (i'm ill because of my back,headache and family stress gave me a huge migraine that won't go away even with codine! )

    Sorry to hear this.
    Take care of you.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • beanieloubeanielou Forumite
    71.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    NSD no 8 today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 2 lbs **
    MFW. 9 months to go. B)
    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • apricityapricity Forumite
    198 posts
    Xmas Saver!
    beanielou wrote: »
    Sorry to hear this.
    Take care of you.

    thanks , I'm constantly in tears today.
    it just hurts a lot
    :heartpuls Getting married 21.09.19 :heartpuls
    Emergency Savings - £15.55 / £1,000 :heart: XMAS '19 Savings - £0.00 / £365 :heart: Holiday savings - £6.00(SA) £00 (PB)
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