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NST: January 2017
misstara
Posts: 4,078 Forumite
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 
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
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
Mortgage 26.4.25 - £108,500 1.10.25 - £104,960.46
Mortgage overpayments so far - £876.94
Debt 16.11.25 - £5160 27.11.25 - £5060 (1.9% paid)
Mortgage overpayments so far - £876.94
Debt 16.11.25 - £5160 27.11.25 - £5060 (1.9% paid)
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Comments
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1. misstara
2. crazy_cat_lady
3. Toni'sfriend
4. apple muncher
5. Lauralozzle
6. clippy_girl
7. Bobarella
8. greent
9. welshkaren45
10. 1LuckyLady
11. ilovetea
12. mothernerd
13. Calling14
14. wishus
15. dolly84
16. Florence J
17. willkeepontrying
18. XSpender
19. BrownMamaBear
20. SpekySquarehead
21. barnez
22. Fmess
23. allie23
24. WelshKitty85
25. YetAgain!
26. f0xh0les
27. Eager_Elephant
28. Massa1982
29. 32b3in2013
30. abundant1972
31. FurryBeastOz
32. cybertortoise
33. Seasidegal58
34. littleskintdragon
35. Saveforabetterlife
36. jojitsui
37. x_raphael_xx
38. bizzie
39. LINKYPIE2009
40. crazy_cat2009
41. WantToBeSEMortgage 26.4.25 - £108,500 1.10.25 - £104,960.46
Mortgage overpayments so far - £876.94
Debt 16.11.25 - £5160 27.11.25 - £5060 (1.9% paid)0 -
Me please misstara Thanks for doing January. Not giving up
Working hard to pay off my debt
Time to take back control
https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=10 -
Me too, please. Thanks for doing this.Have adventures. laugh a lot and always be kind.0
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And me too please.NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!0
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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 4/150 -
Me too please :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j0
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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 £1027.200 -
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 10/11/220
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Count me in please And thank you!
xI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £200 -
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.0
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