We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Jubilant January's NSD Challenge!

1404143454672

Comments

  • cathybird
    cathybird Posts: 16,443 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 18 January 2020 at 6:56PM
    January

    LZ5ioOG.gif = off to a start!

    vyphs1D.gif = five days

    lCX2j2w.gif = 10 days

    FIOOeVG.gif = 15 days

    PN3GTFT.gif = 20 days
    0ChlWEJ.gif = target reached

    wwkLBRV.gif = target beaten


    January targets

    AbundantBudget 7/10 LZ5ioOG.gifvyphs1D.gif
    beanielou 16/15 LZ5ioOG.gifvyphs1D.giflCX2j2w.gifFIOOeVG.gif0ChlWEJ.gifwwkLBRV.gif
    bestlifenow 4/20 LZ5ioOG.gif
    Butti 5/10 LZ5ioOG.gifvyphs1D.gif
    cathybird 13/15 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    confusedsaving 5/10 LZ5ioOG.gifvyphs1D.gif
    CJRyder 10/16 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    delta13 8/12 LZ5ioOG.gifvyphs1D.gif
    doingitanyway 8/20 LZ5ioOG.gifvyphs1D.gif
    Donkids22 8/10 LZ5ioOG.gifvyphs1D.gif
    Dottles1 6/12 LZ5ioOG.gifvyphs1D.gif
    Fivenations 8/15 LZ5ioOG.gifvyphs1D.gif
    Glitterbaby 5/20 LZ5ioOG.gifvyphs1D.gif
    Happy Monday 9/18 LZ5ioOG.gifvyphs1D.gif
    Honeysucklelou2 6/11 LZ5ioOG.gifvyphs1D.gif
    Ivysmom 7/10 LZ5ioOG.gifvyphs1D.gif
    jammydodger 13/20 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    karenccs67 12/15 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    little_green 7/16 LZ5ioOG.gifvyphs1D.gif
    MidsHollie 8/15 LZ5ioOG.gifvyphs1D.gif
    Muggle1000 17/31 LZ5ioOG.gifvyphs1D.giflCX2j2w.gifFIOOeVG.gif
    Munchin 11/15 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    Optimistic Saver 10/20 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    Purplemumof2 2/10 LZ5ioOG.gif
    savequidalot 4/18 LZ5ioOG.gifvyphs1D.gif
    Saver.The.Taste 9/17 LZ5ioOG.gifvyphs1D.gif
    scotmumof3 15/31 LZ5ioOG.gifvyphs1D.giflCX2j2w.gifFIOOeVG.gif
    shopaholicnumber1 9/15 LZ5ioOG.gifvyphs1D.gif
    SpekySquarehead 6/13 LZ5ioOG.gifvyphs1D.gif
    squanderscouse 4/15 LZ5ioOG.gif
    SSDD23 10/20 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    Thistimearound 5/12 LZ5ioOG.gifvyphs1D.gif
    TrushTush 10/15 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    Ttomo 6/10 LZ5ioOG.gifvyphs1D.gif
    Van_Girl 8/15 LZ5ioOG.gifvyphs1D.gif
    :j ALL WELCOME TO JOIN!! :j
  • cathybird
    cathybird Posts: 16,443 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Still on 9 NSD, was planning on making it number 10 today, but a couple of the girls at work have been really helpful whilst I’ve been short staffed so I treated them to a Costa.....they really appreciated it, so it was money well spent in my eyes. Although crikey me aren’t they expensive.......not a place I go to and I can see why now :eek::eek

    Happy weekend everyone :j:j


    Hey Happy Monday, sounds generous of you and treating people at work is such a good thing to do - so often work can be a bit thankless. So well done you :) :A and have a happy weekend too :)
  • cathybird
    cathybird Posts: 16,443 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 17 January 2020 at 11:26PM
    beanielou wrote: »
    15 for me today.

    Fantastic stuff beanielou :) :j:j:j :A Target reached! Well done! :T:T :)
  • cathybird
    cathybird Posts: 16,443 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Butti wrote: »
    Heady heights of NSD 5 today.
    Going to the pub tomorrow and away on Sunday so who knows when I'll get my next one in!

    Well done Butti! :) :T:T Have a good time at the pub and on Sunday :)
  • beanielou
    beanielou Posts: 98,945 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    cathybird wrote: »
    Fantastic stuff beanielou :) :j:j:j :A Well done! :)

    Thanks cathybird :)
    You know what I am going to say........:p
    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.
  • cathybird
    cathybird Posts: 16,443 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    beanielou wrote: »
    Thanks cathybird :)
    You know what I am going to say........:p


    I know, beanielou, but it's still just as fantastic! :) :T:T
  • Happy to have limped my way to 10/20 NSDs, finally.

    I count my grocery spends as Spend Days. And I don't do one big grocery shop - rather lots of little shops in different supermarkets to buy as cheaply as possible, so been a bit challenging this month, as we top back up on food for the month ahead.
    March 26:
    MBNA 6,130 - 0% Feb 28
    HAL 10,125.91 - 0% Jul 27
    BL 320 - Ends Jul 26
    Total: 16,575.91 less 7,000 Marcus savings = 9,575.91
    ⬇️ to pay down by Oct 27

    NSD March 15/22
    Make 2026 in 2026:
    173.01/2,026
    Vinted, YouGov, Bank Int & Fairer Share, Prolific, Quidco, Cheddar & SnapMyEats

    Savings accounts:
    Co-op 273.01/3,000
    Principality 600/1,200
    FD 2,000/2,000
    Santander Saver 400/2,400
    Lloyds 800/4,800
    Cahoot 50/3,000
    Invest 349.93
    🏆 ⬆️ Total: £4,472.94

    Mortgage: £54,048.73
  • cathybird
    cathybird Posts: 16,443 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done, Optimistic Saver! :) :T:T :A It sounds like quite a tricky way of doing groceries, since you've got a relatively high target? ...
  • cathybird wrote: »
    Well done, Optimistic Saver! :) :T:T :A It sounds like quite a tricky way of doing groceries, since you've got a relatively high target? ...

    It is a bit fiddly, cathybird. But needs must. :)

    It helps that my OH is a chef, so we live pretty simply and cheaply really, when it comes to grocery shopping. As long as he has a carrot, onion and some celery (the 'holy trinity' of Italian cooking :rotfl:) all is good in the world.
    March 26:
    MBNA 6,130 - 0% Feb 28
    HAL 10,125.91 - 0% Jul 27
    BL 320 - Ends Jul 26
    Total: 16,575.91 less 7,000 Marcus savings = 9,575.91
    ⬇️ to pay down by Oct 27

    NSD March 15/22
    Make 2026 in 2026:
    173.01/2,026
    Vinted, YouGov, Bank Int & Fairer Share, Prolific, Quidco, Cheddar & SnapMyEats

    Savings accounts:
    Co-op 273.01/3,000
    Principality 600/1,200
    FD 2,000/2,000
    Santander Saver 400/2,400
    Lloyds 800/4,800
    Cahoot 50/3,000
    Invest 349.93
    🏆 ⬆️ Total: £4,472.94

    Mortgage: £54,048.73
  • beanielou
    beanielou Posts: 98,945 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Not sure about today yet.
    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.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.3K Spending & Discounts
  • 247K Work, Benefits & Business
  • 603.6K Mortgages, Homes & Bills
  • 178.3K Life & Family
  • 261.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.