Determined December's NSD's thread.

edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
107 replies 6.6K views
beanieloubeanielou Forumite
77K Posts
Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
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edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of December.
Keep us updated with your progress and hope you all enjoy the challange.

To join,
just post your personal target and you are on your way.

Tips for the challenge;
1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve

2. Create a list of allowances...What counts as a spend and what doesn't. Keep the list on you so you don't fall of the wagon or make exceptions for everything

3. Keep a tally of how many NSDs you get. See if you can beat your previous amount!

We CAN do it.

Maybe not the best month to be doing NSD's but every little helps :)
Lou~ Debt free Wanabe No 55 DF 03/03/14.
**Credit card debt free 30/06/10~**
MFW. Finally mortgage free February 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.
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.***
«13456711

Replies

  • edited 1 December 2018 at 10:37PM
    beanieloubeanielou Forumite
    77K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
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    edited 1 December 2018 at 10:37PM
    I am going to go for 14 this month.
    We will see!

    As usual I will exclude food & petrol if under budget.
    Physio & yoga are also excluded as I consider them to be essential.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 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.
    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.***
  • Sign me up for 10 please.
    I did spend today but on Christmas & anniversary gift which was budgeted so i'm not counting it as a spend... Is it okay to only count anything that I've not planned as a spend day?

    I'll be putting £1 away for every No Spend I have.

    Starting small this month, I've been so bad recently so going back to basic steps :)
    Getting off to a great start though by writing down all expenses .

    And.... pleased to say I've finished paying my fiance off,
    In fact i paid him £5 over. :D
    :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)
  • Honeysucklelou2Honeysucklelou2 Forumite
    3.8K Posts
    Fifth Anniversary 1,000 Posts Name Dropper
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    Please can you put me down for 10 NSDs. I didn't do as well as hoped last month :( but need to keep on tackling the finances with renewed determination. The only exclusion I'm counting is diesel.
    paydbx2021 #93 £2575.50/£7,250 . 2021 savings challenge £0/£1000
    EF £460 . SPC 039
    Savings 2 £50.00 H2S £500.00
  • NargleblastNargleblast Forumite
    10.6K Posts
    Part of the Furniture 10,000 Posts Debt-free and Proud!
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    Happy new thread! Put me down for 15 please, beanie, and I have one of those already!
    One life - your life - live it!
  • chocolatelover93chocolatelover93 Forumite
    1K Posts
    Seventh Anniversary Combo Breaker
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    I'm in for this month! Aiming for 15.
    Already have 1/15 been out today but no spends so should be day 2 today :D
    X
    Read my diaryHere :)
  • apricityapricity Forumite
    198 Posts
    Xmas Saver!
    Today was a spend day.
    It was my turn to pay for food,
    we missed date night as we both had busy days in work on Wednesday.

    Had an amazing Burger King meal though,
    :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
    77K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
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    apricity wrote: »
    Sign me up for 10 please.
    I did spend today but on Christmas & anniversary gift which was budgeted so i'm not counting it as a spend... Is it okay to only count anything that I've not planned as a spend day?

    I'll be putting £1 away for every No Spend I have.

    Starting small this month, I've been so bad recently so going back to basic steps :)
    Getting off to a great start though by writing down all expenses .

    And.... pleased to say I've finished paying my fiance off,
    In fact i paid him £5 over. :D
    fiance :)

    Welcome :)
    Great news on paying off your fiance :)
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 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.
    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
    77K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    ✭✭✭✭✭✭
    I'm in for this month! Aiming for 15.
    Already have 1/15 been out today but no spends so should be day 2 today :D
    X

    Great start :j :j
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 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.
    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
    77K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    ✭✭✭✭✭✭
    Happy new thread! Put me down for 15 please, beanie, and I have one of those already!

    Great start :j :j
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 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.
    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.***
  • I have decided to have 15 NSD during December so I can pay off my debt quicker, build up my savings or just use the extra cash as buffer in my current account.

    I’m currently on my 2nd NSD but it’s partly enforced as I only have £2 in my account until Monday. I do have a £600 arranged overdraft but I really want to avoid using it.

    On my NSD I am only allowing myself to spend money on essential travel costs and food that I actually need so things like milk, bread and fruit. But not takeaways/expensive paninis/ready meals. Although thinking about it I’m tempted to cut all of that out of my diet anyway as it’s such a waste of money.

    If I am at College on a NSD then I’ll allow myself a coffee/cheap lunch. I’ve set a budget of £8 a week as I’m at college 2 days a week.

    I’ve tried to make most of my NSD spread across the days when I’ll be off work & college so it’ll be easier to avoid the temptation to spend.
    CC Debt:£450 Emergency Fund: £1,500 Sealed Pot Challenge 2020 #042: £75
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