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Shiny New Year, Shiny New Start. The January NSD Challenge
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Happy New Year :beer:
I have my first NSD today as I'm not going in the house. I'm making a start on cleaning and de-cluttering as well as earing £10 a day. No more lazy excuses for me - I'm gonna pay off more of my debt and have my flat looking nice and tidy
So 1/15 NSD for me please :T
Here's to a successful (if broke) January :j0 -
Hi everyone
Happy new year
Please can i join u this month, i don't usually join in but jan is just one of those months!!
Can i have 10 nsd's please. :money:Still here..... but working on that!0 -
Hi All,
Declaring NSD #1 for today.
All cash jars loaded for the month so now to see how long it will last:D.
Will need some liquid gold out of the budget this week but hoping to hang on until the weekend (it's much harder parting with folding than using a bit of plastic:rotfl:)."Whether you think you can, or you think you can't -- you're right" - Henry Ford0 -
Happy new year everyone! And what a gloriously sunny day it is here! I'm having a PJ day though... so NSD1 has been bagged!
I hope people had pleasant evenings yesterday, whether it's something you choose to celebrate or not. I spent it with pizza, vodka and OJ and a Michael McIntyre DVD. And for the first time ever, I actually spat out what I was eating at one particularly joke! That was my favourite hoodie consigned to the wash pile then! :rotfl:
Despite a few drinks, I woke up completely hangover free. Must be because I pretty much sobered up before bed, and chased the alcohol down with a lot of water before turning in. Still treated myself to a fry-up this morning... just in case.
A call from my mum at lunchtime to let me know that my cousins wife finally gave birth to their first child via c-section. The kid was 13 days over-due! Still, a lovely start to the new year. The 3rd baby to arrive in our family since June!Because it's fun to have money!
£0/£70 August GC
£68.35/£70 July GC
January-June 2019 = £356.94/£4200 -
Hi,
I'd like to join again this month with 15 NSD and 5-in-a-row please!
Good luck all!
xxGrocery challenge:December 2022 £151.96/£400 . Advent decluttering challenge 47/240.0 -
Hello everyone,
We've had a lovely day and it hasn't cost a penny although we'll repay our friends' hospitality at some point
So declaring NSD #1 for me :j
Sounds like everyone has had a good start to 2013! Keep it up folks.CC1 £5999 Total Debt March 2021 £5999
NSDs March 1/200 -
Yay first NSD of 2013 making me 1 NSDBC: £2000/£3800 S Loan 1: £4973.37/£7000 S Loan 2: £6884.13/£9000 Next:[STRIKE] £0/£280 [/STRIKE]OD: [STRIKE]£0/£500[/STRIKE]
Student OD: [STRIKE]£0/£2000[/STRIKE] Partner OD:[STRIKE]£0/£600[/STRIKE]Joint OD:[STRIKE]£0/£950[/STRIKE] Car: £9424/£9901 Mort: £77000/£79000
Total Debt exc mort£23281.15/£34,031 31% paid off
POAMAYC2013 £694.99/£10000 target £14112.50
NSDS NOV10/10 DEC 10/10 JAN9/10 no.of debts [STRIKE]9[/STRIKE] 40 -
So the first NSD of the month & of the year.
Hope 2013 is a great year for you all.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Just popping in to declare number 1 for me today, not sure if i'm getting old or sensible, but instead of nursing a hangover as in previous years i woke up feeling great, cracked on with my essay & tidied out the shed when i felt like i needed a break & a bit of fresh air... i think i shall treat myself tonight with a bath & a baileys hot chocolate!
I hope 2013 is an amazing year for us all!!February NSD challenge 5/150 -
I knew I'd have to spend money today given the last 2 days being NSDs and I have :mad:
Had to get a little gift for my friend who I was visiting today.
Don't think I need anything tomorrow though so will aim for one then instead.0
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