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Januaray NSD Challenge 2018
Comments
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NSDs 16th and 19th which brings my total to 8/15
Bank Loan 8839/3761.16 Barclaycard4500/£1949.33 Overdraft 2000 /0
Littlewoods 7000/107.68
July NSDs 14/150 -
7 today.
Snow snow go away .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.
One debt remaining. Home improvement loan. 20 months left.0 -
A pure and indulgent spend day today:D2026 Goals
Live below £14000
Emergency Fund 1 £3k/£1002
Emergency Fund 2 £200 (works a bit like Premium Bonds)
Premium Bonds £1k/£700
Stocks & Shares Isa £5k/£1651
SIPP £9200/2000 -
#10 checking in.
I haven't been on here for a while but I have been keeping up with noting down my no spend days. I have now reached a total of 11 NSD for Jan so far. Even on my spend days, it has been little spends such as today which was a £5 spend in Hobbycraft. Today was also my weekly grocery shop day which comes out of our joint fund and I don't count it towards this challenge. However my partner and I have stuck rigidly to only going once a week except for a day last week when I had to pick up a 1 pint of milk as family were popping round (I don't drink tea) so that was a 58p spend lol.
So 11/12 to report for me please When life throws you a curveball, learn to catch it and throw it back! Feb Grocery Challenge/£1000 -
16 no spends to date.Penny wise pound foolish. 366 days 1p challenge 2020/21/22/23/24/25 completed.
No.12 52 week envelope challenge 2026
No.12 1p a day savings challenge 2026.0 -
MSD no 8 today.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.
One debt remaining. Home improvement loan. 20 months left.0 -
& no 9 today.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.
One debt remaining. Home improvement loan. 20 months left.0 -
Had a disastrous weekend of being unwell and bored on the sofa and therefore bidding on that well-known auction site! So both Sat and Sun were wiped out as NSDs.
Up to 13 for the month so not the end of the world but annoyed by my lack of concentration!0 -
9/12 for me so far, should be 10 tomorrow. Hoping for 20 next month!You can have results or excuses, but not both.Challenge - be 14 Stone BY XMAS!
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20th, 21st and today have been NSD's so that makes 12/15.2026 Goals
Live below £14000
Emergency Fund 1 £3k/£1002
Emergency Fund 2 £200 (works a bit like Premium Bonds)
Premium Bonds £1k/£700
Stocks & Shares Isa £5k/£1651
SIPP £9200/2000
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