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Joyous January's NSD Challenge!
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3/20 for me. Starting to plan my trips so I can get small spending bits done in one day so I can rack up the NSDs. Plus my son and I have 3 days of isolation over the weekend before his hospital appointment so that should definitely help!LBM December 2021
Total debt - £8213.05
NSD - Jan /202 -
Day 4 for me!! Ooh yeah! Doing well.NSD Jan 5/10
6780/10721
[URL=“https://forums.moneysavingexpert.com/discussion/5820438/becoming-debt-free-is-hard-work#latest”]my debt free diary[/URL]2 -
Day 4 NSD 😀Pay ALL your debt off by Xmas 2021 no 50 Target for this year £12,000
Pay all your debt off by Xmas 2022 target £15,000 pd £7969.95 / 15,000
SPC 2022/23 014
Pay all of your debt off by XMAS 2023
#no 28 target £11,200.001 -
JanuaryOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
January targets
accidentalglixch 22 Balancinglife 2/20
beanielou 5/15
bekah89 2/10
BPaisley77 10
cathybird 4/15
CL21
fluffytail 3/20
elvis69 4/10
ggoodman 10
GeorgianaCavendish 3/15
Honeysucklelou2 2/12
jammy dodger 3/23
mimok 10
Munchin 10
kitty43 15
Nintud 15
outoftheviciouscircle 15
QueenJess 4/20
SavvySaverSam 20
sazzles01234 4/21
scotmumof3 1/20
Scottiedog_3 10
shell16 3/10
short bird 3/20
Sun Addict 1/15
welshspendthrift 4/12
WinterWarrior 2/15
Newcomers welcome
1 -
Well done QueenJess, jammy dodger, short bird, beanie, sazzles01234, shell16, fluffytail, elvis69 and welshspendthrift
Another one for me, but tomorrow won't be
2 -
Calling early for today please 😁Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p11 -
1 for yesterday pleaseMarch NSD 14/15
Debt £9607.54/£11296.89
CC2:£2274.64/£2299.36 CC3: £1848/£1924.91 CC4:£25/£978.50 CC5: £1155/£1331.24 CC6: £3754.90/£4191.09 CC7: £550/£607.39
CC1: paid off 14/02/23PAYDBXMAS23 #4 £1432.74/£4000
Saving for Xmas 23 £30/£365
4.94% £570.89/£107
make £2023 in 2023 #24 £71.24/£20231 -
Calling a NSD early today.2025 decluttering: 3,958🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 338🥉🥈🥇💎🏆
Big kitchen declutter challenge 112/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
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. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
#3 today please1
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