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Joyous January's NSD Challenge!
Comments
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Another one today bringing me to13/15.....nearly there.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,424....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1250/£3000
.
Studies/surveys Feb....£6.44
Decluttering items 1402/2025. 80/2026
Books read 23 in 2025. 2026- 4 (target is 52)
Jigsaws done 20 in 2025. 2 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
JanuaryOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAdeley 5/25Arwen 1/10

beanielou 20/15






bekah89 16/15





cathybird 15/15




cherry 22 8/10

CMD79 9/16

craftingmad 3/15
Crazycatlady2 17/20



Diane1276 10
funfairprincess 3/10
GeorgianaCavendish 14/17


gm2917 9/15

HappyFriday05 6/8
herebeme 10/15


jammy dodger 14/18


KajiKita 14/15


Karb 9/15

Lanky larry 10/20


leftatthetrafficlights 10/15


lindsaygalaxy 7/15

LittleMissDetermined 11/10




LLM2018 12/20


Makingabobor2 13/15


Money Choices 15
MrsCautious 17/15





MummyRivett 13/25


newroadahead 10/10



outoftheviciouscircle 7/15

QueenJess 13/20


Rupacomp 10/15


Saver-upper 11/15


short bird 13/18


SueP19 7/10

try harder 11/21


Newcomers welcome
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Not one for me, I bought a prescription and some fluffy socks and kitchen towels ... the glamour of it all
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NSD today! Almost forgot!Savings goal by 31/12/24: £22000
Dec 23: £6945.234 -
Can't beat a pair of fluffy socks cathybird!NSDcathybird said:Not one for me, I bought a prescription and some fluffy socks and kitchen towels ... the glamour of it all
I put £15 of diesel in the car, to tide me over until I get to a cheap supermarket to fill up. This is one of my allowed spends, so today was NSD #11.SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.504 -
Day 16 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 -
Well done herebeme, gm2917, SueP19, QueenJess, LittleMissDetermined, Karb, MummyRivett, short bird, bekah89, Crazycatlady2, beanie, newroadahead, MrsCautious, Makingabobor2, Rupacomp, Saver-upper and bekah89


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@Saver-upper you're so rightSaver-upper said:
Can't beat a pair of fluffy socks cathybird!NSDcathybird said:Not one for me, I bought a prescription and some fluffy socks and kitchen towels ... the glamour of it all

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Morning all 😊
Definitely won’t be an NSD today - need fuel for the car, groceries are arriving, need to find a birthday present for my friend and I ‘need’ to empty or buy my @mazon basket …. 😂 😉
So close to target …. Hopefully tomorrow! 😊
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.5 -
Calling an NSD today. Work appointment this morning, beautiful Indian meal this evening and I’ve just subtly suggested my partner’s paying. 😃
#15 17 NSDs
4
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