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Joyous January's NSD Challenge!
Comments
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Not 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 -
NSD 16!!!!! 😊❤️👏👍💪🎉
(Please excuse all the emojis - when life is being absolutely recalcitrant in so many aspects, having one thing go well is sooooo cheering!! 😊)
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.4 -
It’s the first one I’ve ever done. I’ll be back!!! 😉🤩GeorgianaCavendish said:KajiKita said:Look at all my emojis!!! 🤩❤️👏
So proud of myself!!
KK
It’s such a great feeling when you unlock the next emoji, isn’t it? The NSD challenges are really addictive 😁
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.4 -
JanuaryOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAdeley 5/25Arwen 1/10
beanielou 21/15
bekah89 17/15
cathybird 17/15
cherry 22 10/10
CMD79 13/16
craftingmad 3/15
Crazycatlady2 20/20
Diane1276 10
funfairprincess 3/10
GeorgianaCavendish 16/17
gm2917 9/15
HappyFriday05 6/8
herebeme 10/15
jammy dodger 17/18
KajiKita 16/15
Karb 9/15
Lanky larry 10/20
leftatthetrafficlights 10/15
lindsaygalaxy 7/15
LittleMissDetermined 13/10
LLM2018 13/20
Makingabobor2 14/15
Money Choices 15
MrsCautious 19/15
MummyRivett 16/25
newroadahead 11/10
outoftheviciouscircle 7/15
QueenJess 15/20
Rupacomp 10/15
Saver-upper 11/15
short bird 15/18
SueP19 8/10
try harder 15/21
Newcomers welcome
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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 -
Not one for me, I had a meetup with friends 2
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Well done SueP19, GeorgianaCavendish, CMD79, Crazycatlady2, jammydodger, short bird, KajiKita and QueenJess
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An early call for an NSD today as I’m going to be working from home all day except sending an eBay parcel where the buyer has paid for postage.#15 19 NSDs2
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Good morning, claiming an early one today after having a spendy day yesterday.
LMD x
Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60002
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