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Jubilant January's NSD Challenge!

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Comments

  • cathybird
    cathybird Posts: 16,430 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 20 January 2020 at 11:30PM
    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 15/15 LZ5ioOG.gifvyphs1D.giflCX2j2w.gifFIOOeVG.gif0ChlWEJ.gif
    confusedsaving 5/10 LZ5ioOG.gifvyphs1D.gif
    CJRyder 10/16 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    delta13 9/12 LZ5ioOG.gifvyphs1D.gif
    doingitanyway 8/20 LZ5ioOG.gifvyphs1D.gif
    Donkids22 9/10 LZ5ioOG.gifvyphs1D.gif
    Dottles1 7/12 LZ5ioOG.gifvyphs1D.gif
    Fivenations 8/15 LZ5ioOG.gifvyphs1D.gif
    Glitterbaby 5/20 LZ5ioOG.gifvyphs1D.gif
    Happy Monday 10/18 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    Honeysucklelou2 6/11 LZ5ioOG.gifvyphs1D.gif
    Ivysmom 7/10 LZ5ioOG.gifvyphs1D.gif
    jammydodger 15/20 LZ5ioOG.gifvyphs1D.giflCX2j2w.gifFIOOeVG.gif
    karenccs67 12/15 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    little_green 10/16 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    MidsHollie 8/15 LZ5ioOG.gifvyphs1D.gif
    Money Choices 7/10 LZ5ioOG.gifvyphs1D.gif
    Muggle1000 20/31 LZ5ioOG.gifvyphs1D.giflCX2j2w.gifFIOOeVG.gifPN3GTFT.gif
    Munchin 11/15 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    Optimistic Saver 12/20 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    Purplemumof2 2/10 LZ5ioOG.gif
    savequidalot 4/18 LZ5ioOG.gifvyphs1D.gif
    Saver.The.Taste 11/17 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    scotmumof3 15/31 LZ5ioOG.gifvyphs1D.giflCX2j2w.gifFIOOeVG.gif
    shopaholicnumber1 9/15 LZ5ioOG.gifvyphs1D.gif
    SpekySquarehead 8/13 LZ5ioOG.gifvyphs1D.gif
    squanderscouse 4/15 LZ5ioOG.gif
    SSDD23 10/20 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    Thistimearound 5/12 LZ5ioOG.gifvyphs1D.gif
    TrushTush 13/15 LZ5ioOG.gifvyphs1D.giflCX2j2w.gif
    Ttomo 6/10 LZ5ioOG.gifvyphs1D.gif
    Van_Girl 9/15 LZ5ioOG.gifvyphs1D.gif
    :j ALL WELCOME TO JOIN!! :j
  • Now up to 8 NSD's. And with a relatively boring week ahead, I don't see me spending for the remainder of this week!! Hoping to get a good run of NSD's.
  • beanielou
    beanielou Posts: 98,917 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Not one 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.
  • cathybird
    cathybird Posts: 16,430 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Now up to 8 NSD's. And with a relatively boring week ahead, I don't see me spending for the remainder of this week!! Hoping to get a good run of NSD's.


    Well done Speky :) :T:T :) and yay for boring weeks :rotfl::)
  • cathybird
    cathybird Posts: 16,430 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 20 January 2020 at 4:31PM
    I'm hoping to get through to payday next Monday with a straight run of NSDs ... don't need anything at this point technically so it should hopefully be possible. Now at 15/15. :)

    PS have just remembered I'm meeting up with some friends tomorrow for coffee and cake ... so my run of NSDs will not include tomorrow :o

    PPS get-together with friends now postponed another week so my run of NSDs will include tomorrow! :)
  • cathybird
    cathybird Posts: 16,430 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So it's 20th Jan, which means we are heading into the last third of the month ... I know people don't necessarily post every time they get an NSD so now would be a great time for some updates! :D:D
  • [Hi
    I've 6 more NSDS this makes my total to 7/10 NSDs.
    . These were 9-13 and 19 Jan.

    Money Choices
    3-6 months Emergency Fund challenge No 81 £700/£2,400. NSD challenge 25 Jan 9/10 NSDs, Feb 10/10 NSDs, March 10/10 NSDs, April 9/10 NSDs, May 0/0 NSDs, June 5/12 NSDS.
    Grocery Challenge 25 Jan £20/50, Feb £60/£100, March £229.48/£300, April £173.81/£120, May £0/£0, June £88.24/£150.00
  • cathybird
    cathybird Posts: 16,430 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    [Hi
    I've 6 more NSDS this makes my total to 7/10 NSDs.
    . These were 9-13 and 19 Jan.

    Money Choices


    Well done Money Choices :) :T:T :)
  • cathybird wrote: »
    I'm hoping to get through to payday next Monday with a straight run of NSDs ... don't need anything at this point technically so it should hopefully be possible. Now at 15/15. :)

    PS have just remembered I'm meeting up with some friends tomorrow for coffee and cake ... so my run of NSDs will not include tomorrow :o

    PPS get-together with friends now postponed another week so my run of NSDs will include tomorrow! :)


    Whoop whoop to the planned run of NSDs Cathybird :T

    I’m pleased to announce I’m finally on double figures and have made it 10 NSDs :)

    So, just wondering what everyone does about a planned food shop, do you include it in your NSDs or not? I usually do but have been debating whether I should or not. I decided after much deliberating not to include my fitness and running spends as I’d struggle to get a NSD some weeks, and I’m wondering now about food? I always shop at Aldi and I do only buy food, I don’t but clothes or stuff I don’t need say if I went to Tesco. So I’m thinking I might not include it, but then wonder if I should.......you can see this might take me a while to decide can’t you :rotfl::rotfl::rotfl::rotfl:
  • Another NSD today - so, 12/20 so far.
    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
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