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Joyous January's NSD Challenge!
Comments
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10/15 for me now - thought we'd need some stuff yesterday but we've done without and adapted what we've got in instead - I will need to get some shopping later in the week though as have more visitors at the weekend!'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £1471.53/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £1471.53/£6700
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'3 -
2 more from yesterday and today 11/18 thanks cathybird x3
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A NSD today! 😊
12 out of 15 😊👏💪
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
I know it's half way through the month already but can I join. I would love to aim for 10 but I'm dreadful at it and only at 3 which includes today lolDebt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot3
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Day 13 todayMarch 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/£20233 -
One more for me.
Now 8/15
Saving for Christmas 2023 - £1 a day: #16. £90/£365
December 2022 Grocery Challenge: £137.9/£150
January 2023 Grocery Challenge; £79.12/£150
February 2023 Grocery Challenge: £2.65/£120
December NSD: 15/10
January NSD: 15/15
February NSD: 1/15
Make £2023 in 2023: #20. £128.39/£2023
2023 Decluttering: 3/3653 -
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.3 -
Just catching up, I’m on day 7. I count grocery shopping as a spend day, is that correct?
£2 Savers club £0/£150
1p a day £/2 -
Another NSD today.2026 decluttering: 388 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️
2026 use up challenge: 129🥉 ⭐️🥈🥇 ⭐️ ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3001 -
JanuaryOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAdeley 5/25Arwen 1/10
beanielou 16/15
bekah89 13/15
cathybird 12/15
cherry 22 8/10
CMD79 9/16
craftingmad 3/15
Crazycatlady2 12/20
Diane1276 10
funfairprincess 3/10
GeorgianaCavendish 11/17
gm2917 6/15
HappyFriday05 6/8
herebeme 8/15
jammy dodger 11/18
KajiKita 12/15
Karb 6/15
Lanky larry 2/20
leftatthetrafficlights 10/15
lindsaygalaxy 7/15
LittleMissDetermined 7/10
LLM2018 12/20
Makingabobor2 10/15
Money Choices 15
MrsCautious 14/15
MummyRivett 7/25
newroadahead 8/10
outoftheviciouscircle 6/15
QueenJess 10/20
Rupacomp 8/15
Saver-upper 9/15
short bird 11/18
SueP19 3/10
try harder 11/21
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