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Joyous January's NSD Challenge!

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  • Happy New Year, I havent done this before but need to start holding myself more accountable for my spending so would love to join, hope its not too late! I'm aiming for 10 NSD's. So far only new year day when I didnt spend anything so 1/10 so far
    Xmas 2022 = £500/500
    Emergency fund = £50/1000 
    Penny a day challenge = 237/667.95 

    Starting Debt total Jan 2021: £14,877 
    Starting Debt total Jan 2022: £10,662 
  • Today was a NSD making 2/12.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • cathybird
    cathybird Posts: 15,642 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 4 January 2021 at 12:12PM
    January

    Off to a start = image

    5 days = image

    10 days = image

    15 days = image

    20 days = image
    Target reached = image
    Target beaten = image

    January targets
    beanielou 3/15 image
    bloomfelt 3/15 image cathybird 1/10 image Charliebear 3/15 image Couldsavemore 2/15 image darannah 1/10 image debtfreefor2022 1/15 image delta13 Dorisd 2/15 image elvis69 2/10 image grassgirl 3/20 image Honeysucklelou2 2/12 image IndiJonesi 4/17 image jammy dodger 3/20 image Jrcoal5 3/12 image lifeatthekings 21 lindsaygalaxy 2/15 image LivingInTheBlack 2/10 image MFdreamer 3/15 image Money Choices 15 MrsMcCarpy 15 mummy2threeboys 25 image outoftheviciouscircle 3/15 Princess Procrastinate 1/15 image Saver-upper 2/10 image short_bird 2/16 image SuperSavingD Tahlullah.H 15 welshspendthrift 15 Workingmum123 1/10 image
    ALL WELCOME TO JOIN!
  • cathybird
    cathybird Posts: 15,642 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done Livingintheblack, beanielou and Honeysucklelou2 imageimageimage hi there Saver-upper and Workingmum123 imageimageand welcome image I've added you to the list, best of luck with the challenge and well done on your NSDs so far imageimage
  • grassgirl
    grassgirl Posts: 407 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    3/3 so far for me <3
    January 2025 - Debt £20,006
  • bloomfelt
    bloomfelt Posts: 507 Forumite
    Tenth Anniversary 500 Posts Name Dropper Photogenic
    Up to 3 days now - not sure about today as DSD needs a new coat so will be hunting online for a bargain so all depends on what I can find for her 
    January NSD8/10
  • Good morning everyone, NSD No 4 for me today.  I'm on annual leave this week so don't have any outlays to make on travelling and there are no vending machines for miles around 😨, Indi
  • delta13
    delta13 Posts: 322 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    Hi Cathybird, can I be put down for 15 this month please? I already have 2/15 so far :)
    Save £12k in 2022 = £3705.97/ £7,500 (49%)
    Save £12k in 2021 #76 = £11,857.21/ £10,000 (118%)


  • Managed a 2nd NSD yesterday! That's 2/15 now.  :)
    Virtual Sealed Pot 2021 #6: £25.30/£200
    NSD: Jan 14/15  Feb 0/14
  • beanielou
    beanielou Posts: 95,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    4 today for me.
    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. ***Be the difference.***
    One debt remaining. Home improvement loan.
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