November 2023
I'm always in it, it's only the depth that varies....
Current debt: £10,806.75
Debt free date April 2025 (though expecting this to come forward)
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Joyous January's NSD Challenge!
Comments
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NSD today x3
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And 1 for me please! (January is much easier than December!)2
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JanuaryOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAdeley 4/25Arwen 1/10
beanielou 4/15
bekah89 4/15
cathybird 4/15
cherry 22 2/10
CMD79 4/16
craftingmad 1/15
Crazycatlady2 3/20
Diane1276 10
funfairprincess 2/10
GeorgianaCavendish 3/17
gm2917 1/15
HappyFriday05 4/8
herebeme 4/15
jammy dodger 3/18
KajiKita 4/15
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 3/10
outoftheviciouscircle 4/15
QueenJess 2/20
Rupacomp 4/15
short bird 3/18
try harder 4/21
Newcomers welcome
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Not one for me today, only essential expenses though but still can't say it's an NSD.
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Another NSD today but not yesterday as out for coffee with friend
NRANewRoadAhead Debts Sep 2009 £35,000.00Debt Free November 2014, Mortgage free June 2022
#No16 2025 52 week envelope challenge-£1166/£13782 -
thats brilliant Mrscautious resisting the bakery urge is a tough oneMrsCautious said: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.
2 -
One for me today and one for yesterday 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 -
not one today ive been waiting for fuel prices to come down a bit before i put diesel in my old campervan she benefits from a regular run to keep her ticking over so she now has something in her tank
bought a couple of fresh items that needed stocking up on so hopefully i should be good for a while now🙏
great start to the year for so many
this is a wonderful thread to help keep us motivated from those unnecessary spends needs V wants
good luck and celebrate every NSD they All count JD x3 -
NSD for me 😊
4 out of 15.
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Not for me today 😢. I had to make an urgent phone call to the USA so had to buy a £2 bolt on for my PAYG mobile. Still the call then cost £2.34 total versus £25.50 without it, so could’ve been worse. Think as I’ve blown my NSD streak I might as well go to the supermarket tonight too, and order the bulk loo roll I’ll need soon.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
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