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NST: January 2017

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I love the start of January - the possibilities for the year ahead are endless and I feel incredibly positive about everything. Usually by mid-January, this feeling has worn off slightly as the weather, work and broken new year's resolutions take over. This year, I want it to be different so part of this challenge will be to post 3 things (daily if you can) that you are grateful for. I would also like everyone to post something that they would like to have achieved by the end of the year. For me, 2017 will be the year that I become debt free :D and I would also like to take part in a 10k.

Usual rules:
The challenge runs from January 1st to January 31st.
Set a NSD target, aim for at least 15.
Donate to a charity
Pay to your debt or savings first
Post as often as you can

January's rules:
Look at your usual food budget and aim to spend 10% less. Do a stock take of everything in your freezer/fridge/cupboards - I seem to have heaps of food left over from Christmas despite thinking that I hadn't bought that much!
Post 3 things that you are grateful for each time you post
Post something that you would like to have achieved by the end of 2017 - think about how you will achieve this, break your goal down into small achievable steps.
Organise some cheap (free if possible) things to do with family or friends. January is a long and usually boring month, it's nice to have things to look forward to :D
Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.99
«13456768

Comments

  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    edited 7 January 2017 at 11:31PM
    1. misstara
    2. crazy_cat_lady
    3. Toni'sfriend
    4. apple muncher
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    38. bizzie
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    41. WantToBeSE
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • Me please misstara :D Thanks for doing January.
  • Me too, please. Thanks for doing this.
    Have adventures. laugh a lot and always be kind.
  • apple_muncher
    apple_muncher Posts: 15,235 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    And me too please.
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • I'm in. I missed November and December but I'm back in for January! :)
    February Grocery Budget: £190.75/£350.00
    NST no. NSD 4/15
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Me too please :)
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Yes please Misstara. Like you I'm looking forward to 2017 being the end of the debt mountain.
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • Calling14
    Calling14 Posts: 3,498 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Thanks Mistara count me in the race to be debt free this year. Can I have lucky number 13 please if it hasn't gone.
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • greent
    greent Posts: 10,751 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Count me in please :) And thank you! :)
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • I was too scared to join Christmas month but think I could just manage it this month and hoping to start as I mean to go on, this does seem like a sink or swim challenge so can you please add me too :) x
    Aiming to spend less,want less and need less.
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