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No Spend January 2022
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5 no spend days so far, including today1
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NSD 4 today. Was nearly a fail as baby was being a nightmare and I was very tempted to buy pizza, but I was good and made macaroni instead.Finally bought a homeStarting mortgage £289,500 31.01.19 - Current outstanding £192,984.78/CENTER]Overpayments since 27.03.19: £52,341.432
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NSD 3 for me today. Cheap bread at work and succumbing to the coffee shop ( to be fair it wasn’t my fault because they changed my rota and hadn’t made sure I knew so I had an hour to waste)
June NSD 8/150 -
5th NSD today! So happy with myself. 💃Grocery challenge:
Oct 24.£/£400
Sept 24 £500/£500
Dec 2023
Debt pay down: from move
loan: £11500
CC £4222, Jan 24 £3831,
Oct 2024 new debt pay down
Personal loan £10000
Cc: £3758
Barclaycard (£187) £0
Debt to family - (£200) £0
Tesco (£2200) (£5343) 0
Halifax (£488) £298 =£0
Virgin £3611 = £3572
Santander = £1500
Total: Mar 2020 (£6486 ) Apr £6109 May £5665 (+£106 tranfer fee); June £5331 Sept (£950 added) £5343, Dec £5070 April 2021 PAID OFF!!3 -
Hi everyone, hope I can join also!I started my NSD challenge on 1st January. I don't count groceries (food/cleaning/pets/hygiene) or bills so I am on NSD 8!My weak spot is books. However, when I had a wobble yesterday I placed the book on the "watchlist" instead...crisis averted!3
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Food shopping today but I only bought what I actually need. All we need during the week is milk.1
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I have found that having kindle unlimited helps - I got 6 months for £22 something a while back. Not sure if I will keep it once this period is up, but there are an awful lot of books available to read for no extra cost.
Ah awesome. I am trying 'libby', my library in the SE has it and so I can get loads of e-books and audio straight from that, but, I work with screens and so physical books were my get-a-way. I agree though about leaving and coming back. I had a wish list last year and just before Xmas decided to go through it, around 50 books and the list is now 5!!
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The 99p Kindle books are a magnet for me. I’m trying to only buy them this year if they are on my wishlist. I probably have some unread from several years back.2
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I am president of our local Friends of the Library group which puts on monthly book sales of books we can't fit in our tiny in-library book store. We sell them for 10 cents to 25 cents each (about 7p to 18p) and I usually end up getting a box at a time. Try to remember to take some back after I've read them or donate to another library, but I use some of them for reference books. It only costs me about $2.00, but the space at home is getting be a problem.2
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i like real books rather than kindle! I buy second hand if i can.
I have acheived another NSD today, acheived thanks to a visit from my step mum who wanted a few things from the c00p and paid for a couple of things for me at the same timeLBM - October 2018; finally debt free on 16 March 2021
2023 Mortgage Free Wannabee #92023 Mortgage free in March 23 !
Decluttering Campaign member 2023🏅🏅 🏅⭐️⭐️
Decluttering Campaign Member 2024 🏅🏅
Decluttering Campaign Member 20252
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