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Joyous January's NSD Challenge!

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  • cathybird
    cathybird Posts: 15,658 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 3 January 2023 at 2:14PM
    @crazy_cat_lady I agree with Makingabobor2, if it's a gift, in my view it's "extra" money, and doesn't count as a spend, just as you wouldn't count receiving an actual gift as a spend. :)

    @HappyFriday05 I hope you feel better soon too. I've sometimes had vertigo on high buildings, it's no fun, do rest up xxx :)
  • GeorgianaCavendish
    GeorgianaCavendish Posts: 2,393 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Not today ... had to buy a birthday present 
  • LittleMissDetermined
    LittleMissDetermined Posts: 9,658 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Photogenic
    Not one for me today, I'm off for a nail appointment
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • bekah89
    bekah89 Posts: 421 Forumite
    Third Anniversary 100 Posts Name Dropper
    One today 
    March 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 14/02/23

    PAYDBXMAS23 #4 £1432.74/£4000
    Saving for Xmas 23 £30/£365
    4.94% £570.89/£107 
    make £2023 in 2023 #24 £71.24/£2023
  • gm2917
    gm2917 Posts: 30 Forumite
    10 Posts
    One today 1/15
    Make £2023 in 2023: £401.64/£2023
    Feb Grocery challenge: £176.74/£380
    Declutter 2023 in 2023: 2/2023
    Feb NSD: 5/15 
  • cathybird
    cathybird Posts: 15,658 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 3 January 2023 at 10:44PM
    January

    Off to a start = image

    5 days = image

    10 days = image

    15 days = image

    20 days = image
    Target reached = image
    Target beaten = image

    January targets
    Adeley 1/25 image
    Arwen 1/10 image beanielou 3/15 image bekah89 3/15 image cathybird 3/15 image cherry 22 2/10 image CMD79 2/16 image Crazycatlady2 2/20 image Diane1276 10 funfairprincess 1/10 image GeorgianaCavendish 2/17 image gm2917 1/15 image HappyFriday05 2/8 image herebeme 2/15 image jammy dodger 2/18 image KajiKita 2/15 image Lanky larry 1/20 image leftatthetrafficlights 1/15 image lindsaygalaxy 1/15 image LittleMissDetermined 2/10 image LLM2018 1/20 image Makingabobor2 3/15 image Money Choices 15 MrsCautious 2/15 image MummyRivett 2/25 image newroadahead 1/10 image outoftheviciouscircle 2/15 image QueenJess 1/20 image Rupacomp 2/15 image short bird 2/18 image try harder 3/21 image
    Newcomers welcome :)
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • jammy_dodger
    jammy_dodger Posts: 1,925 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    2/18   for  me  today  thanks  cathybird x
  • try_harder
    try_harder Posts: 1,532 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    Yay .Another no spend day for me today ..3/21
  • Makingabobor2
    Makingabobor2 Posts: 4,220 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Another one today so 3/15 so far
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .

    Studies/surveys  August £7.48

    Decluttering items 771
    Books read    14
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


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