I have a question. When you have a NSD - No Spend Day - what exactly do you mean by that? Is it a day when you don't spend a single penny on anything whatsoever, or is it a day when you can buy, say toilet roll or bread but not a magazine or a mascara? Some blogs I read say they have had a 'No Personal Spend Day'....I guess they can still buy family food or pay a gas bill. And that's another thing. If a NSD for you means no spending at all, does that also mean you had no direct debits going out for bills too? Today I have direct debits leaving our account for water, gas and TV license AND I will spend a few quid on vitamins. Are they personal spending, because I wouldn't die without them but I have taken them for years? Would that make it a NSD for me?
I guess most people would say that a NSD can be whatever you want it to be but I'm interested in what you guys use as a guideline.
