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  • FIRST POST
    • cathybird
    • By cathybird 31st Dec 19, 11:29 AM
    • 5,144Posts
    • 20,212Thanks
    cathybird
    Jubilant January's NSD Challenge!
    • #1
    • 31st Dec 19, 11:29 AM
    Jubilant January's NSD Challenge! 31st Dec 19 at 11:29 AM
    This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during January. 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! If you want to keep track of your NSDs in your MSE signature, that can be really motivating too

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

    5. NSDs are trickier than they seem and easily derailed. It makes the challenge much easier if you notch up as many as you can in the first half of the month.

    January

    = off to a start!

    = five days

    = 10 days


    = 15 days

    = 20 days

    = target reached


    = target beaten


    January targets

    AbundantBudget 10

    beanielou 15

    bestlifenow 20

    borollan

    Butti 10

    cathybird 15

    confusedsaving 10

    CJRyder 16

    delta13 12

    debbie_debt 8

    doingitanyway 20

    Donkids22 10

    Dottles1 12

    Fivenations 15

    Glitterbaby 20

    Happy Monday 18

    HattersFan 15

    Honeysucklelou2 11

    Ivysmom 10

    jammydodger 20

    karenccs67 15

    Lar90 20

    little_green 16

    MidsHollie 15

    MoneysavingmadGem 15

    Money Choices 10

    Munchin 15

    Optimistic Saver 20

    Pennydrops 18

    Purplemumof2 10

    savequidalot 18

    Saver.The.Taste 17

    scotmumof3 31

    shopaholicnumber1 15

    SpekySquarehead 13

    squanderscouse 15

    SSDD23 20

    Thistimearound 12

    TrushTush 15

    Tryingtosave29 18

    Ttomo 10

    VanGirl 15



    ALL WELCOME TO JOIN!!
    Last edited by cathybird; 07-01-2020 at 11:46 AM.
    10 in Save 12K: 0/12K. JNSDs: 20/15 Tilly: 530.13
    January AFDs: 24/21 2020 AFDs: 24/260 2019: 310/260
Page 19
    • beanielou
    • By beanielou 14th Jan 20, 5:59 PM
    • 68,467 Posts
    • 312,831 Thanks
    beanielou
    NSD 3 for me today. Out to pre-paid yoga now.
    Originally posted by Butti
    Well done Butti.
    Enjoy yoga
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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. ***Be the difference.***
    • MidsHollie
    • By MidsHollie 14th Jan 20, 6:06 PM
    • 56 Posts
    • 182 Thanks
    MidsHollie
    I've made it to another NSD today (not going out in this wind!), so I'm now at 6/15. Not doing so well this month!
    • cathybird
    • By cathybird 14th Jan 20, 7:19 PM
    • 5,144 Posts
    • 20,212 Thanks
    cathybird
    January

    = off to a start!

    = five days

    = 10 days

    = 15 days

    = 20 days
    = target reached

    = target beaten


    January targets

    AbundantBudget 7/10
    beanielou 13/15
    bestlifenow 4/20
    Butti 3/10
    cathybird 11/15
    confusedsaving 3/10
    CJRyder 7/16
    delta13 7/12
    doingitanyway 7/20
    Donkids22 7/10
    Dottles1 6/12
    Fivenations 8/15
    Glitterbaby 5/20
    Happy Monday 8/18
    Honeysucklelou2 5/11
    Ivysmom 4/10
    jammydodger 12/20
    karenccs67 12/15
    little_green 7/16
    MidsHollie 6/15
    Muggle1000 13/31
    Munchin 9/15
    Optimistic Saver 8/20
    Purplemumof2 2/10
    savequidalot 4/18
    Saver.The.Taste 6/17
    scotmumof3 15/31
    shopaholicnumber1 7/15
    SpekySquarehead 6/13
    squanderscouse 4/15
    SSDD23 9/20
    Thistimearound 4/12
    TrushTush 9/15
    Ttomo 6/10
    Van_Girl 8/15

    ALL WELCOME TO JOIN!!
    Last edited by cathybird; 15-01-2020 at 10:46 PM.
    10 in Save 12K: 0/12K. JNSDs: 20/15 Tilly: 530.13
    January AFDs: 24/21 2020 AFDs: 24/260 2019: 310/260
    • cathybird
    • By cathybird 14th Jan 20, 7:20 PM
    • 5,144 Posts
    • 20,212 Thanks
    cathybird
    Well done MidsHollie
    10 in Save 12K: 0/12K. JNSDs: 20/15 Tilly: 530.13
    January AFDs: 24/21 2020 AFDs: 24/260 2019: 310/260
    • Happy Monday
    • By Happy Monday 14th Jan 20, 7:23 PM
    • 177 Posts
    • 741 Thanks
    Happy Monday
    Evening all, hope everyone is ok in this awful weather. No spend day number 8 today. To cold, wet and windy to go anywhere! Almost half way through the month xx
    • Honeysucklelou2
    • By Honeysucklelou2 14th Jan 20, 7:31 PM
    • 2,294 Posts
    • 12,201 Thanks
    Honeysucklelou2
    NSD today making 5/11
    paydbx2020 #93 130.00/10,025 . 1 debt 100 days 34. 10/995
    EF 40. SPC 141

    # savings# 5 . Oven. 3/ 403 Health EF 0/250
    • Van_Girl
    • By Van_Girl 14th Jan 20, 9:04 PM
    • 19 Posts
    • 112 Thanks
    Van_Girl
    Adding day number 7
    1 per day = Jan 3.51/31, Dec 5.52/21
    NSD's = Jan 9/15
    Debt Free 23rd July 2015 House Renovation Debts 16,220.76 16,580 1% = 162.21
    • cathybird
    • By cathybird 14th Jan 20, 10:47 PM
    • 5,144 Posts
    • 20,212 Thanks
    cathybird
    Well done Happy Monday, Honeysucklelou2 and Van_Girl Happy Monday, you're not wrong about the weather!
    10 in Save 12K: 0/12K. JNSDs: 20/15 Tilly: 530.13
    January AFDs: 24/21 2020 AFDs: 24/260 2019: 310/260
    • donkids22
    • By donkids22 15th Jan 20, 7:56 AM
    • 243 Posts
    • 862 Thanks
    donkids22
    Now up to 7 nsds. One Thursday, Sunday and Tuesday
    If you dream it can you do it????????
    • cathybird
    • By cathybird 15th Jan 20, 9:22 AM
    • 5,144 Posts
    • 20,212 Thanks
    cathybird
    Well done Donkids22!
    10 in Save 12K: 0/12K. JNSDs: 20/15 Tilly: 530.13
    January AFDs: 24/21 2020 AFDs: 24/260 2019: 310/260
    • scotmumof3
    • By scotmumof3 15th Jan 20, 1:01 PM
    • 1,859 Posts
    • 14,252 Thanks
    scotmumof3
    I have made it to 15 NSDs can't believe it. Thanks to you guys for keeping me honest
    LHS #217 DFW#1421 2020 Frugal Living Challenge january NSD 7/31 #42 saving for Xmas 2020 33/366: grocery challenge 0/2750 sealed pot challenge 13 #72 MFW#74 0/2000 2 savers 2020 #21 20
    debt free day 29th October 2020
    • cathybird
    • By cathybird 15th Jan 20, 2:43 PM
    • 5,144 Posts
    • 20,212 Thanks
    cathybird
    I have made it to 15 NSDs can't believe it. Thanks to you guys for keeping me honest
    Originally posted by scotmumof3
    Absolutely brilliant effort scotmumof3 Congratulations on having so much discipline
    Last edited by cathybird; 15-01-2020 at 2:46 PM.
    10 in Save 12K: 0/12K. JNSDs: 20/15 Tilly: 530.13
    January AFDs: 24/21 2020 AFDs: 24/260 2019: 310/260
    • jammy dodger
    • By jammy dodger 15th Jan 20, 2:49 PM
    • 1,134 Posts
    • 5,478 Thanks
    jammy dodger
    NSD 12/20 today
    nearly a spendy as i was going to look at a sofa for sale on
    gumtree but decided i'll keep my comfy saggy sofa for now ..its
    sooo hard to part with
    Jan NSD 18/20
    • beanielou
    • By beanielou 15th Jan 20, 3:01 PM
    • 68,467 Posts
    • 312,831 Thanks
    beanielou
    No 13 today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 14 months to mortgage freedom.
    **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. ***Be the difference.***
    • cathybird
    • By cathybird 15th Jan 20, 3:19 PM
    • 5,144 Posts
    • 20,212 Thanks
    cathybird
    Well done jammy dodger and beanielou
    10 in Save 12K: 0/12K. JNSDs: 20/15 Tilly: 530.13
    January AFDs: 24/21 2020 AFDs: 24/260 2019: 310/260
    • Van_Girl
    • By Van_Girl 15th Jan 20, 4:18 PM
    • 19 Posts
    • 112 Thanks
    Van_Girl
    I have made it to 15 NSDs can't believe it. Thanks to you guys for keeping me honest
    Originally posted by scotmumof3
    Impressive work Scotmumof3!

    I'm going to add today as number 8/15, though had to pay out a pre-budgeted amount for a roof repair. However, I've not spent a single penny out of my personal budget so I'm still counting it!

    It's so much harder than I thought. Didn't realise how often I just think "oooo might just pick up a (insert item here) on my way to/from..." Or more likely, how often I just want to buy a snack But I'm half way through my NS week, which I'm very happy with
    1 per day = Jan 3.51/31, Dec 5.52/21
    NSD's = Jan 9/15
    Debt Free 23rd July 2015 House Renovation Debts 16,220.76 16,580 1% = 162.21
    • cathybird
    • By cathybird 15th Jan 20, 4:25 PM
    • 5,144 Posts
    • 20,212 Thanks
    cathybird
    Impressive work Scotmumof3!

    I'm going to add today as number 8/15, though had to pay out a pre-budgeted amount for a roof repair. However, I've not spent a single penny out of my personal budget so I'm still counting it!

    It's so much harder than I thought. Didn't realise how often I just think "oooo might just pick up a (insert item here) on my way to/from..." Or more likely, how often I just want to buy a snack But I'm half way through my NS week, which I'm very happy with
    Originally posted by Van_Girl

    Well done Van_Girl You're so right about it being harder than it seems and I think the sense of having to use restraint is one of the things that makes it hard. But I try to remember that being self-restrained is one of the things that helps to ensure that I won't have self-restraint forced upon me!
    10 in Save 12K: 0/12K. JNSDs: 20/15 Tilly: 530.13
    January AFDs: 24/21 2020 AFDs: 24/260 2019: 310/260
    • Thistimearound
    • By Thistimearound 15th Jan 20, 5:10 PM
    • 46 Posts
    • 94 Thanks
    Thistimearound
    Number 4 for me today, I'm finding it hard this month too.
    • cathybird
    • By cathybird 15th Jan 20, 5:11 PM
    • 5,144 Posts
    • 20,212 Thanks
    cathybird
    I haven't spent anything today and won't now so 11/15.
    10 in Save 12K: 0/12K. JNSDs: 20/15 Tilly: 530.13
    January AFDs: 24/21 2020 AFDs: 24/260 2019: 310/260
    • little_green
    • By little_green 15th Jan 20, 6:14 PM
    • 451 Posts
    • 1,153 Thanks
    little_green
    7 so far. not sure how i feel about that.
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