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Joyous January's NSD Challenge!
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Day 4 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 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 -
No spend day again today ..Now 4/213
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A spend day for me (lunch in the works canteen) and i need mushrooms for dinner (forgot to buy enough when did my online shop) so still at 3 out of 15.
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
One for me today please!!mortgage amount as at March 24: £164,467
mortgage end date as at March 24: Jan 20462024 overpayments £769/£1000
Daily interest rates: £8.16/£3.372 -
JanuaryOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAdeley 3/25Arwen 1/10
beanielou 4/15
bekah89 4/15
cathybird 4/15
cherry 22 2/10
CMD79 3/16
craftingmad 1/15
Crazycatlady2 3/20
Diane1276 10
funfairprincess 2/10
GeorgianaCavendish 3/17
gm2917 1/15
HappyFriday05 3/8
herebeme 4/15
jammy dodger 3/18
KajiKita 3/15
Karb 1/15
Lanky larry 2/20
leftatthetrafficlights 1/15
lindsaygalaxy 1/15
LittleMissDetermined 4/10
LLM2018 2/20
Makingabobor2 4/15
Money Choices 15
MrsCautious 3/15
MummyRivett 4/25
newroadahead 2/10
outoftheviciouscircle 4/15
QueenJess 2/20
Rupacomp 4/15
short bird 3/18
try harder 4/21
Newcomers welcome
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Challenger #15 (sounds like a rocket 😀) checking in with 3 NSDs now so far. Thanks @cathybird.I walked there and back into town for various appointments today, saved on petrol/car parking/bus fare/Steak bake that I had a sudden urge for!Felt good to do that though, thanks for all my fellow NSD-ers for motivation.3
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Well done LittleMissDetermined, Karb, GeorgianaCavendish, CMD79, jammy dodger, Crazycatlady2, Adeley, short bird, outoftheviciouscircle, Makingabobor2, Rupacomp, craftingmad, herebeme, MummyRivett, bekah89, beanie, try harder, HappyFriday05 and MrsCautious
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Back to work today, so it means it’ll be a NSD 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 👑 5002 -
Claiming another today. Not spending before we go on holiday on Saturday
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25713
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