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NST: November 2019

edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
603 replies 26.7K views


  • XSpenderXSpender Forumite
    3.7K posts
    Part of the Furniture 1,000 Posts Name Dropper
    Please can I sign up again this month? I have signed up for the last 2 challenges and have been reading along but not following the rules.

    With redundancy looming at the end of the year and me feeling rather low I need something to focus on so hoping to join in properly this month.
    PAYDBX 2020 £3,886.13/£10,000 38% Emergency Fund - 100% Savings Target by 30th June - 70%

    Days since CC used - Christmas Eve 2019 - 160 (7 in 2019 + 2020)
  • nannygladysnannygladys Forumite
    1.4K posts
    Eighth Anniversary 1,000 Posts Combo Breaker Photogenic
    Hi Apple, Ive been away from the boards for months but now ready to get back to it. I'll work budgets out tomorrow and post. Pay day has been and gone so I need to see whats been paid and what needs paying, so will have to get my head around it!! At the moment I don't have much on in November so hopefully I can be super frugal (in my dreams as something always crops up)
    Frugal challenge 2020
    Sealed pot 13 no.31
    Emergency fund 230.76/1000
  • greentgreent Forumite
    8.8K posts
    Part of the Furniture 1,000 Posts Photogenic Home Insurance Hacker!
    Add me to the list please, apple x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early :)(orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/19 £48986 2020 OPs (#18) £2975/6K
    Net sales 2020 £414.22/£500 Decluttering: 1250/2020
  • sashanutsashanut Forumite
    3.3K posts
    Part of the Furniture Mortgage-free Glee! Debt-free and Proud!
    hi all :j

    count me in please apple!!
    New start JAN15 - NOT BUYING IT 2015 :eek:. Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE :happyhear
  • aimeemumaimeemum Forumite
    592 posts
    Sixth Anniversary 500 Posts Xmas Saver!
    I would like to join in in November please....looking forward to my Yes-vember challenges!
    DFBX20 #148 - £1,625/£3,472 (Total Debts cleared Oct 2018- May 2020 - £7,810)
    SPC-13 #136
  • SSDD23SSDD23 Forumite
    2.4K posts
    1,000 Posts Name Dropper First Anniversary I've been Money Tipped!
    I'm in please xx
    VSP #12 £102.63
    LISA - £87.37
    EF - £0.00
  • thriftylassthriftylass Forumite
    3.7K posts
    Part of the Furniture 1,000 Posts
    Me too please. Thanks Apple muncher
    SFD -/- spends £-/-
    Exercise -/-
    :j:j:jDebt - all 0% 0 to go from 5290 :j:j:j as of 12/19
    DFD 12/2019 Mortgage 109343 (04/17) 92300 (11/19) OP 1910
  • f0xh0lesf0xh0les Forumite
    3.3K posts
    Sixth Anniversary 1,000 Posts Name Dropper
    Yes please, count me in apple. I am very much up for saying yes!
    MFW#65 5/16 £118,3 Remortgage 2020 £93,511.34
  • Happy_MondayHappy_Monday Forumite
    273 posts
    100 Posts
    So excited about starting the challenge so wanted to check in early!

    I’m on day 3 of NSD’s this week, which I’m pleased about, I’m terrible for stopping off at our local shop to look for YS items, which I don’t need as my freezer is full to bursting! It’s definitely the thrill of a bargain rather than needing any shopping.

    Keen to use up my cleaning products, I have a real weakness for cleaning products and have LOTS!

    Also have lots of beauty lotions and potions, not so much what I buy myself but gifts and have lots of bits and bobs of creams to use up.

    In terms of giving up 60 items, might struggle on this one as I’ve just had a massive clear out of my clothes and shoes, and donated loads to my local chazzer. One thing I’d like to lose is about half a stone in weight so might focus of getting rid of that :rotfl:

    Looking forward to getting started properly on 1st November.
  • edited 31 October 2019 at 12:34PM
    nannygladysnannygladys Forumite
    1.4K posts
    Eighth Anniversary 1,000 Posts Combo Breaker Photogenic
    edited 31 October 2019 at 12:34PM
    Hi everyone, accounts done and not as bad as it could be. DD's accounted for and amounts put away in five other accounts for annual bills etc. CC fully paid off - it was only a small amount, I only use it for internet purchases and I tend not to make any! filled my car up with fuel for the month and put money away for window cleaner, so that leaves me a grand total of £34.50 a week for everything which is OK if it was only food but may be a little tight if something crops up. I do have an emergency fund but that doesn't get touched!!! so here goes …. off to do a menu plan for the first week and then to the shops to buy some stuff. Im OK for today as I have a mixture of 'stuff' in the fridge
    to use up. So hm soup for lunch and sausage and mash for tea.
    Frugal challenge 2020
    Sealed pot 13 no.31
    Emergency fund 230.76/1000
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