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  • FIRST POST
    • beanielou
    • By beanielou 1st Sep 18, 6:10 PM
    • 57,965Posts
    • 238,481Thanks
    beanielou
    Splendid September's NSD's challange
    • #1
    • 1st Sep 18, 6:10 PM
    Splendid September's NSD's challange 1st Sep 18 at 6:10 PM
    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 SEptember.
    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
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
Page 4
    • marmiterulesok
    • By marmiterulesok 12th Sep 18, 5:22 PM
    • 7,794 Posts
    • 35,433 Thanks
    marmiterulesok
    Was planning a NSD today but my best friend got engaged on Monday, found out last night!! So I've been out and bought her some engagement goodies.
    Originally posted by s1n25
    Emergency spend as also a one off?

    Congratulations to your friend btw!
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • beanielou
    • By beanielou 12th Sep 18, 8:17 PM
    • 57,965 Posts
    • 238,481 Thanks
    beanielou
    Not one today.
    At a retirement do for a friend.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • marmiterulesok
    • By marmiterulesok 13th Sep 18, 8:12 AM
    • 7,794 Posts
    • 35,433 Thanks
    marmiterulesok
    I've got a vet's visit today so it'll be spendy.So still at nsd#11.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • Hopeless Case
    • By Hopeless Case 13th Sep 18, 10:29 AM
    • 888 Posts
    • 5,317 Thanks
    Hopeless Case
    Not an NSD yesterday, 2 spent on ice creams in the evening so I'm readjusting my total having prematurely updated it in the morning!

    Quiz tonight so will be spending
    Nov GC 80.34/200
    NSD target: Nov 1/15
    Bring Your Lunch to Work Target Nov 1/15
    1 a day: Nov 44.75/45
    Tesco CC Aug 18 10,151.56 9950.56 0% 30mnths, First Direct CC Aug 18 4321.80 3968.77 0% til Feb 20
    • beanielou
    • By beanielou 13th Sep 18, 11:20 AM
    • 57,965 Posts
    • 238,481 Thanks
    beanielou
    Hoping for one today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • marmiterulesok
    • By marmiterulesok 13th Sep 18, 11:27 AM
    • 7,794 Posts
    • 35,433 Thanks
    marmiterulesok
    so I'm readjusting my total having prematurely updated it in the morning!
    Originally posted by Hopeless Case
    So annoying when that happens!
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • s1n25
    • By s1n25 13th Sep 18, 3:05 PM
    • 113 Posts
    • 382 Thanks
    s1n25
    NSD 11 for me today.
    Debt Free Diary..."Start of a new chapter"
    Nov: Unsecured Debt : 2,900.. Bring your lunch to work 1/18..NSD challenge 5/20

    • s1n25
    • By s1n25 14th Sep 18, 12:06 PM
    • 113 Posts
    • 382 Thanks
    s1n25
    Hoping for day 12 today! Nothing planned for tonight & tea is already bought.
    Enjoy your weekend guys!
    Debt Free Diary..."Start of a new chapter"
    Nov: Unsecured Debt : 2,900.. Bring your lunch to work 1/18..NSD challenge 5/20

    • beanielou
    • By beanielou 14th Sep 18, 8:20 PM
    • 57,965 Posts
    • 238,481 Thanks
    beanielou
    Not one today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • marmiterulesok
    • By marmiterulesok 14th Sep 18, 10:32 PM
    • 7,794 Posts
    • 35,433 Thanks
    marmiterulesok
    Today was #12.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • Hopeless Case
    • By Hopeless Case 15th Sep 18, 6:45 AM
    • 888 Posts
    • 5,317 Thanks
    Hopeless Case
    So annoying when that happens!
    Originally posted by marmiterulesok
    I know!

    Spent again again yesterday and will today - hopefully not tomorrow, but then we're away, which could go either way -as we're all inclusive (and broke ) with transfers etc already booked, in theory I could clock up a good NSD week, but who knows when we get there and get in holiday mood - we have got some Euros already so as long as we only spend them I'll be happy...
    Nov GC 80.34/200
    NSD target: Nov 1/15
    Bring Your Lunch to Work Target Nov 1/15
    1 a day: Nov 44.75/45
    Tesco CC Aug 18 10,151.56 9950.56 0% 30mnths, First Direct CC Aug 18 4321.80 3968.77 0% til Feb 20
    • s1n25
    • By s1n25 15th Sep 18, 12:26 PM
    • 113 Posts
    • 382 Thanks
    s1n25
    Not one for me today
    Debt Free Diary..."Start of a new chapter"
    Nov: Unsecured Debt : 2,900.. Bring your lunch to work 1/18..NSD challenge 5/20

    • marmiterulesok
    • By marmiterulesok 15th Sep 18, 2:06 PM
    • 7,794 Posts
    • 35,433 Thanks
    marmiterulesok
    I know!

    Spent again again yesterday and will today - hopefully not tomorrow, but then we're away, which could go either way -as we're all inclusive (and broke ) with transfers etc already booked, in theory I could clock up a good NSD week, but who knows when we get there and get in holiday mood - we have got some Euros already so as long as we only spend them I'll be happy...
    Originally posted by Hopeless Case
    Oh where are you going?

    Have a great time!
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • marmiterulesok
    • By marmiterulesok 15th Sep 18, 2:07 PM
    • 7,794 Posts
    • 35,433 Thanks
    marmiterulesok
    Not sure about today yet.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • marmiterulesok
    • By marmiterulesok 15th Sep 18, 6:27 PM
    • 7,794 Posts
    • 35,433 Thanks
    marmiterulesok
    Not sure about today yet.
    Originally posted by marmiterulesok
    A spendy day after all.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • beanielou
    • By beanielou 16th Sep 18, 8:12 PM
    • 57,965 Posts
    • 238,481 Thanks
    beanielou
    NSD no 10 today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
    • marmiterulesok
    • By marmiterulesok 16th Sep 18, 8:24 PM
    • 7,794 Posts
    • 35,433 Thanks
    marmiterulesok
    NSD #12 today!
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • marmiterulesok
    • By marmiterulesok 17th Sep 18, 9:44 AM
    • 7,794 Posts
    • 35,433 Thanks
    marmiterulesok
    Today will be #13.
    It's a public holiday here today so all the shops are shut.
    NSD October 19/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • s1n25
    • By s1n25 17th Sep 18, 9:50 AM
    • 113 Posts
    • 382 Thanks
    s1n25
    Yesterday was number 13 for me. Hoping for today as 14, no plans to spend so far.
    Debt Free Diary..."Start of a new chapter"
    Nov: Unsecured Debt : 2,900.. Bring your lunch to work 1/18..NSD challenge 5/20

    • beanielou
    • By beanielou 17th Sep 18, 6:56 PM
    • 57,965 Posts
    • 238,481 Thanks
    beanielou
    NSD no 11 today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. MFW 2018. No 144
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