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  • FIRST POST
    • cathybird
    • By cathybird 31st Oct 19, 8:52 AM
    • 4,601Posts
    • 18,530Thanks
    cathybird
    Nifty November's NSD Challenge
    • #1
    • 31st Oct 19, 8:52 AM
    Nifty November's NSD Challenge 31st Oct 19 at 8:52 AM
    This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during November.

    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. It is fine to exclude necessary expenses eg petrol, groceries, pet food, etc, when it comes to deciding what is and isn't an NSD.

    3. It does help to post every time you notch up an NSD ... it's easy to lose track!

    4. It also helps to subscribe to the thread ... that way you get a daily email reminder so you don't lose motivation


    November

    = off to a start!

    = five days

    = 10 days
    = 15 days

    = 20 days

    = target reached
    = target beaten


    November targets

    Akhank 10

    beanielou 15

    bestlifenow 15

    borollan 15

    cathybird 12

    delta13 15

    Dottles1 12

    Fivenations 15

    Happy Monday 12

    Honeysucklelou2 10

    Ivysmom 10

    little_green 15

    Money Choices 10

    MoneysavingmadGem 10

    mumof3.12kindebt 15

    Purplemumof2 15

    Saver_upper 12

    shopaholicnumber1 15

    SpekySquarehead 15

    SSDD23 15

    Thistimearound 10

    Wishus 10


    ALL WELCOME TO JOIN!!
    Last edited by cathybird; 18-11-2019 at 9:03 AM.
    15 in Save 12K: £10,267.47/£12K. DNSDs: 4/15 Tilly: £5,328.29
    December AFDs: 5/21 2019 AFDs: 291/260 2018: 303/260
Page 3
    • cathybird
    • By cathybird 3rd Nov 19, 1:44 PM
    • 4,601 Posts
    • 18,530 Thanks
    cathybird
    Well done delta13 and beanielou

    List updated
    15 in Save 12K: £10,267.47/£12K. DNSDs: 4/15 Tilly: £5,328.29
    December AFDs: 5/21 2019 AFDs: 291/260 2018: 303/260
    • cathybird
    • By cathybird 3rd Nov 19, 1:45 PM
    • 4,601 Posts
    • 18,530 Thanks
    cathybird
    November

    = off to a start!

    = five days

    = 10 days
    = 15 days

    = 20 days

    = target reached
    = target beaten


    November targets

    beanielou 3/15


    bestlifenow 0/15

    borollan 0/15

    cathybird 2/10

    delta13 2/15

    Dottles1 1/12

    Happy Monday 2/12

    Honeysucklelou2 2/10

    Ivysmum 0/10

    little_green 0/15

    mumof3.12kindebt 1/15

    Purplemumof2 0/15

    saver_upper 1/12

    shopaholicnumber1 3/15

    SpekySquarehead 0/15

    SSDD23 0/15

    Thistimearound 2/10


    ALL WELCOME TO JOIN!!
    Last edited by cathybird; 04-11-2019 at 3:11 PM.
    15 in Save 12K: £10,267.47/£12K. DNSDs: 4/15 Tilly: £5,328.29
    December AFDs: 5/21 2019 AFDs: 291/260 2018: 303/260
    • borollan
    • By borollan 3rd Nov 19, 1:46 PM
    • 66 Posts
    • 397 Thanks
    borollan
    spent again today on a tunic from a Charity Shop
    I've got a fiver left in my cash purse till Friday and have to pay £1.50 out in subs to my knitting group so that will make me behave.
    Stop Buying **** We Don't Need
    • Thistimearound
    • By Thistimearound 3rd Nov 19, 3:46 PM
    • 25 Posts
    • 45 Thanks
    Thistimearound
    Hi. can I log !/10 for yesterday and 2/10 for today please
    • cathybird
    • By cathybird 3rd Nov 19, 5:16 PM
    • 4,601 Posts
    • 18,530 Thanks
    cathybird
    Well done Thistimearound

    I have not spent anything today so it is 2/10.

    List updated!
    Last edited by cathybird; 03-11-2019 at 5:18 PM.
    15 in Save 12K: £10,267.47/£12K. DNSDs: 4/15 Tilly: £5,328.29
    December AFDs: 5/21 2019 AFDs: 291/260 2018: 303/260
    • cathybird
    • By cathybird 3rd Nov 19, 5:17 PM
    • 4,601 Posts
    • 18,530 Thanks
    cathybird
    spent again today on a tunic from a Charity Shop
    I've got a fiver left in my cash purse till Friday and have to pay £1.50 out in subs to my knitting group so that will make me behave.
    Originally posted by borollan
    Borollan, that's £3.50 till Friday? That is a tight budget, indeed.
    15 in Save 12K: £10,267.47/£12K. DNSDs: 4/15 Tilly: £5,328.29
    December AFDs: 5/21 2019 AFDs: 291/260 2018: 303/260
    • borollan
    • By borollan 3rd Nov 19, 5:54 PM
    • 66 Posts
    • 397 Thanks
    borollan
    Borollan, that's £3.50 till Friday? That is a tight budget, indeed.
    Originally posted by cathybird
    Just checked the cupboards, fridge and freezer and my pantry, all full. The only things that may run out are dairy free spread and paracetamols so £3.50 should do it nicely.
    Iíve given the bank cards to my husband with strict instructions to not hand them back unless itís an emergency.

    I must stop spending
    Stop Buying **** We Don't Need
    • cathybird
    • By cathybird 3rd Nov 19, 6:36 PM
    • 4,601 Posts
    • 18,530 Thanks
    cathybird
    I’ve given the bank cards to my husband with strict instructions to not hand them back unless it’s an emergency.
    Originally posted by borollan

    Sometimes drastic measures are called for
    15 in Save 12K: £10,267.47/£12K. DNSDs: 4/15 Tilly: £5,328.29
    December AFDs: 5/21 2019 AFDs: 291/260 2018: 303/260
    • Happy Monday
    • By Happy Monday 3rd Nov 19, 7:30 PM
    • 84 Posts
    • 279 Thanks
    Happy Monday
    happy Monday checking in
    Evening all, second no spend day 2/12 for me. Sundayís are usually a spendy day as I like to have a mooch round my local chazzers, but Iíve resisted today. Had a lovely morning with my sister and nephew today, then dog sat for my friends dogs and then had family over for a Sunday roast.

    Good luck with your budget borollan, youíll be racking up the NSDís, and hope all goes well with the tree surgeon tomorrow cathybird xx

    Iím shattered now, feet up now with the strictly results! How can it be Monday and back to work already tomorrow 😭😭😭
    • cathybird
    • By cathybird 3rd Nov 19, 7:54 PM
    • 4,601 Posts
    • 18,530 Thanks
    cathybird
    Evening all, second no spend day 2/12 for me. Sunday’s are usually a spendy day as I like to have a mooch round my local chazzers, but I’ve resisted today. Had a lovely morning with my sister and nephew today, then dog sat for my friends dogs and then had family over for a Sunday roast.

    Good luck with your budget borollan, you’ll be racking up the NSD’s, and hope all goes well with the tree surgeon tomorrow cathybird xx

    I’m shattered now, feet up now with the strictly results! How can it be Monday and back to work already tomorrow ������
    Originally posted by Happy Monday
    Thanks Happy Monday and well done on the NSD! True that about Mondays!!

    Well done everyone for the weekend NSDs! The challenge feels like it's off to a good start. List updated
    15 in Save 12K: £10,267.47/£12K. DNSDs: 4/15 Tilly: £5,328.29
    December AFDs: 5/21 2019 AFDs: 291/260 2018: 303/260
    • Happy Monday
    • By Happy Monday 3rd Nov 19, 7:58 PM
    • 84 Posts
    • 279 Thanks
    Happy Monday
    Thanks cathybird. I spent far too much on my food shopping yesterday, really need to focus next week on not only writing my shopping list but sticking to it as well x
    • cathybird
    • By cathybird 3rd Nov 19, 8:14 PM
    • 4,601 Posts
    • 18,530 Thanks
    cathybird
    Thanks cathybird. I spent far too much on my food shopping yesterday, really need to focus next week on not only writing my shopping list but sticking to it as well x
    Originally posted by Happy Monday

    It's so easy to overspend on food! I try to keep to a budget myself but you have to be really vigilant, don't you.
    Last edited by cathybird; 03-11-2019 at 10:41 PM.
    15 in Save 12K: £10,267.47/£12K. DNSDs: 4/15 Tilly: £5,328.29
    December AFDs: 5/21 2019 AFDs: 291/260 2018: 303/260
    • little_green
    • By little_green 3rd Nov 19, 10:10 PM
    • 421 Posts
    • 1,050 Thanks
    little_green
    checking in.
    target as always 50% of the month so 15 days
    • cathybird
    • By cathybird 3rd Nov 19, 10:30 PM
    • 4,601 Posts
    • 18,530 Thanks
    cathybird
    Good to see you little_green! I've updated the list with your target
    15 in Save 12K: £10,267.47/£12K. DNSDs: 4/15 Tilly: £5,328.29
    December AFDs: 5/21 2019 AFDs: 291/260 2018: 303/260
    • Honeysucklelou2
    • By Honeysucklelou2 3rd Nov 19, 10:41 PM
    • 2,117 Posts
    • 11,113 Thanks
    Honeysucklelou2
    NSD 2/10 for me .
    paydbx2019 #93 £1241.29/£10,100 .
    EF £70. SPC 141

    # savings# £17. Oven. £0 / £403
    • cathybird
    • By cathybird 3rd Nov 19, 10:57 PM
    • 4,601 Posts
    • 18,530 Thanks
    cathybird
    Well done Honeysucklelou2

    List updated
    15 in Save 12K: £10,267.47/£12K. DNSDs: 4/15 Tilly: £5,328.29
    December AFDs: 5/21 2019 AFDs: 291/260 2018: 303/260
    • Saver-upper
    • By Saver-upper 4th Nov 19, 1:37 AM
    • 1,904 Posts
    • 14,303 Thanks
    Saver-upper
    Here I am
    So,I have just been reading through the thread,and been a bit inspired by everyone's high targets for the month.So I am going to really push the boat out,and aim for 12 NSD's (I usually go for 10).
    I will start with today(Sunday),which was my first NSD.
    As usual,my exclusions are milk,bread and petrol (cos nobody wants to be pushing the car the rest of the way home to save an NSD )
    Ooooh,love a challenge-i am looking forward to this

    1/12
    SPC #108 x 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £301,Valued Opinions £10.50





    • shopaholicnumber1
    • By shopaholicnumber1 4th Nov 19, 9:11 AM
    • 103 Posts
    • 305 Thanks
    shopaholicnumber1
    Morning cathybird and co. First update for the month and haven't spend anything yet!

    On 3 NSDs for Friday, Saturday and Sunday and no plans to spend anything today either (but I won't count it yet!). So on 3/15 which I'm pleased about!
    Mortgage: £81,154.58 (03/19) - £78551.98 (11/19)

    Emergency savings: £2500 (08/19) - £2500 (11/19)

    NSD's - 3 (12/19)
    • cathybird
    • By cathybird 4th Nov 19, 9:19 AM
    • 4,601 Posts
    • 18,530 Thanks
    cathybird
    Hi saver_upper, good to see you Yay on the high target

    Well done shopaholicnumber1

    The month is off to a good start! I hope everyone who's aiming for 15 has started already? ... In another few days it will become a really difficult target. We can do this though!

    List updated!
    Last edited by cathybird; 04-11-2019 at 5:43 PM.
    15 in Save 12K: £10,267.47/£12K. DNSDs: 4/15 Tilly: £5,328.29
    December AFDs: 5/21 2019 AFDs: 291/260 2018: 303/260
    • Dottles1
    • By Dottles1 4th Nov 19, 12:21 PM
    • 163 Posts
    • 717 Thanks
    Dottles1
    Yesterday was a NSD so 1/12 for me
    Not today as had to put petrol in and bought bread.
    CC1 Aug19 £7587.85 Sept19 £7417.03Oct 19 £7250.15 Nov 1£7087.03 Dec £6927.58
    CC2 Aug 19 £1185.58Sept £1160.58 Oct £1110.58Nov £1085.58 Dec £1060.58
    CC3 Aug 19 £544.95 Sept £519.95 Oct £509.95 Nov £492.42 £475.32
    O/D Aug £20 Sept £100 Oct £0
    Total debt Aug £9318.38 Sept £9197.11 Oct £8870.48 Nov £8665.03 £8463.48
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