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  • FIRST POST
    • adventureofmemories
    • By adventureofmemories 1st Jan 18, 10:34 AM
    • 176Posts
    • 543Thanks
    adventureofmemories
    Januaray NSD Challenge 2018
    • #1
    • 1st Jan 18, 10:34 AM
    Januaray NSD Challenge 2018 1st Jan 18 at 10:34 AM
    I created this thread as I couldnt see one for December. I dont own this challenge but know others would like to see a January one.

    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 January.
    Keep us updated with your progress and hope you all have a great start to the new year.

    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!
    Debt to fiancee - 404.00 (left to pay) | Save 12,000 in 2018 - 371.90 all together|2,018 items in 2018 (8/2,018)
Page 4
    • Penny2myName
    • By Penny2myName 10th Jan 18, 11:18 PM
    • 1,597 Posts
    • 4,554 Thanks
    Penny2myName
    8th Jan and today have both been NSDs.
    19th March 2007 LBM5,969.63 1st January 2018 5960.18
    Student Loan 22244.00 From 2009-12
    Challenges: 2018 Frugal living challenge, January NSD Challenge 2018.
    • fatrab
    • By fatrab 11th Jan 18, 2:55 PM
    • 852 Posts
    • 2,236 Thanks
    fatrab
    3rd NSD this week for me!


    Tomorrow and Saturday will be spend days but hoping Sunday & Monday will be NSDs.


    Quite enjoying this challenge, really makes the spending diary look very empty! Not too good for the 2 challenge though as hardly receiving any change!
    You can have results or excuses, but not both - Wannabe debt free by Dec 2022
    June's targets - Be 15st by end of month, 19/30 AFDs
    39 x 2 coins (#32)
    • LLM2018
    • By LLM2018 11th Jan 18, 2:57 PM
    • 91 Posts
    • 312 Thanks
    LLM2018
    #10 Another NSD for me. Posted some parcels from Ebay sale but buyers paid the postage so i'm up to 5/12 so far
    #21 Make 1% challenge 31.8/100%
    #78 PAYDBX '18 794/2494
    #6 Crazy clothes challenge
    #19 Surveys pay for Xmas' 18 5
    • Penny2myName
    • By Penny2myName 11th Jan 18, 10:38 PM
    • 1,597 Posts
    • 4,554 Thanks
    Penny2myName
    Apart from debt payments which I am not including, today has been a NSD.
    19th March 2007 LBM5,969.63 1st January 2018 5960.18
    Student Loan 22244.00 From 2009-12
    Challenges: 2018 Frugal living challenge, January NSD Challenge 2018.
    • fatrab
    • By fatrab 12th Jan 18, 8:32 AM
    • 852 Posts
    • 2,236 Thanks
    fatrab
    Morning everyone,


    Today was going to be a spend day, but do you know what? I'm going to try and turn it into an NSD. I should have enough food to last the day. Didn't quite get enough in for lunches thinking I would have something left over from last night.


    But I have a large meal to cook tonight which will be tomorrows lunch also and enough bits n bobs in work (tins of fish and porridge basically) that'll last me until I get home.


    I can do this!


    Its freezing up north today, stay safe everyone
    You can have results or excuses, but not both - Wannabe debt free by Dec 2022
    June's targets - Be 15st by end of month, 19/30 AFDs
    39 x 2 coins (#32)
    • fatrab
    • By fatrab 12th Jan 18, 9:58 AM
    • 852 Posts
    • 2,236 Thanks
    fatrab
    Think I already know the answer to this....


    If I buy something from a well known online auction site and pay with paypal, does it class as a spend when I click to buy or when the money comes out of my account?


    It's a thrifty recipe book btw
    You can have results or excuses, but not both - Wannabe debt free by Dec 2022
    June's targets - Be 15st by end of month, 19/30 AFDs
    39 x 2 coins (#32)
    • fatrab
    • By fatrab 12th Jan 18, 8:17 PM
    • 852 Posts
    • 2,236 Thanks
    fatrab
    Made it through the day. #4 for me.

    Will buy that book tomorrow morning.

    Toughest one yet, could have easily slipped off the wagon today.
    You can have results or excuses, but not both - Wannabe debt free by Dec 2022
    June's targets - Be 15st by end of month, 19/30 AFDs
    39 x 2 coins (#32)
    • squanderscouse
    • By squanderscouse 12th Jan 18, 8:33 PM
    • 89 Posts
    • 321 Thanks
    squanderscouse
    7th, 9th and 10th were NSDs for me bringing total so far to 6/15
    Bank Loan 5000/PAID Barclaycard2500/1811.34Overdraft 2000/Cleared MBNAClosed
    Littlewoods 1200/181.65

    February NSD 4/12
    Sealed pot challenge 11 #568
    February bring your lunch to work = 6/18
    • beanielou
    • By beanielou 12th Jan 18, 9:54 PM
    • 55,063 Posts
    • 220,032 Thanks
    beanielou
    Sorry there has been a lot going on & I have lost count.
    Hope you are all doing well
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    • Purplemumof2
    • By Purplemumof2 13th Jan 18, 8:12 AM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    Hi,

    Everyone is doing really well this month

    I'm up NSD #6

    fatrab - I'd count it as the day you made the purchase
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6200.00 Cap 1: 395.80 BC: 6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD 6288.87/7000
    Savings for Christmas 191.84/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • fatrab
    • By fatrab 13th Jan 18, 9:17 AM
    • 852 Posts
    • 2,236 Thanks
    fatrab
    fatrab - I'd count it as the day you made the purchase
    Originally posted by Purplemumof2

    I resisted and bought it this morning as today is a spend day anyway, it was only 4 (Used but as new condition). It's the Savvy Shopper Cookbook so should be an asset, and the fact I didn't pay retail price for it is even more savvy!


    Hope everyone has a nice weekend
    You can have results or excuses, but not both - Wannabe debt free by Dec 2022
    June's targets - Be 15st by end of month, 19/30 AFDs
    39 x 2 coins (#32)
    • RhiBi
    • By RhiBi 13th Jan 18, 10:01 AM
    • 581 Posts
    • 1,715 Thanks
    RhiBi
    I!!!8217;m up to 05/15 NSD now! Today is a food shopping day (with a list) but I might get a nsd in tomorrow xx
    Virtual Sealed Pot 2018 #7 173.69/250
    • jaxsmar
    • By jaxsmar 13th Jan 18, 1:58 PM
    • 385 Posts
    • 1,563 Thanks
    jaxsmar
    11 no spends
    Penny wise pound foolish #266 emergency fund 150/1000.
    • beanielou
    • By beanielou 14th Jan 18, 8:44 PM
    • 55,063 Posts
    • 220,032 Thanks
    beanielou
    NSD no 4 today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    • fatrab
    • By fatrab 15th Jan 18, 10:21 AM
    • 852 Posts
    • 2,236 Thanks
    fatrab
    Aiming for 4 NSDs this week, today being the first.


    Changing my target to 12 for the month (was 8)
    You can have results or excuses, but not both - Wannabe debt free by Dec 2022
    June's targets - Be 15st by end of month, 19/30 AFDs
    39 x 2 coins (#32)
    • beanielou
    • By beanielou 16th Jan 18, 7:58 PM
    • 55,063 Posts
    • 220,032 Thanks
    beanielou
    & no 5 today
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    • Regency1
    • By Regency1 17th Jan 18, 1:31 PM
    • 18 Posts
    • 42 Thanks
    Regency1
    Monday was NSD no. 10 for me.

    Had to get fuel yesterday (and a bag of sweets fell into my hands a the garage!). Today should be NSD number 11. I'm going food shopping after work but don't count that out of the joint account.

    It feels like there's still quite a lot of January to go!
    • Purplemumof2
    • By Purplemumof2 17th Jan 18, 2:11 PM
    • 6,153 Posts
    • 22,636 Thanks
    Purplemumof2
    Afternoon,

    Up to NSD #9 for me

    Keep going everyone, nearly there.

    Pmo2
    xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 6200.00 Cap 1: 395.80 BC: 6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD 6288.87/7000
    Savings for Christmas 191.84/365
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • beanielou
    • By beanielou 17th Jan 18, 2:44 PM
    • 55,063 Posts
    • 220,032 Thanks
    beanielou
    & no 6 today.
    Snow, snow go away.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    • fatrab
    • By fatrab 18th Jan 18, 9:29 AM
    • 852 Posts
    • 2,236 Thanks
    fatrab
    Yesterday was No.7 for me, spend day today but should be NSD's tomorrow and Saturday.


    Have a nice day everyone
    You can have results or excuses, but not both - Wannabe debt free by Dec 2022
    June's targets - Be 15st by end of month, 19/30 AFDs
    39 x 2 coins (#32)
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