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Joyous January's NSD Challenge!

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  • NSD today x
  • CMD79
    CMD79 Posts: 751 Forumite
    500 Posts Second Anniversary Name Dropper
    And 1 for me please! (January is much easier than December!)
    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)


  • cathybird
    cathybird Posts: 15,660 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 5 January 2023 at 9:50PM
    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 4/25 image
    Arwen 1/10 image beanielou 4/15 image bekah89 4/15 image cathybird 4/15 image cherry 22 2/10 image CMD79 4/16 image craftingmad 1/15 image Crazycatlady2 3/20 image Diane1276 10 funfairprincess 2/10 image GeorgianaCavendish 3/17 image gm2917 1/15 image HappyFriday05 4/8 image herebeme 4/15 image jammy dodger 3/18 image KajiKita 4/15 image Karb 1/15 image Lanky larry 2/20 image leftatthetrafficlights 1/15 image lindsaygalaxy 1/15 image LittleMissDetermined 4/10 image LLM2018 2/20 image Makingabobor2 4/15 image Money Choices 15 MrsCautious 3/15 image MummyRivett 4/25 image newroadahead 3/10 image outoftheviciouscircle 4/15 image QueenJess 2/20 image Rupacomp 4/15 image short bird 3/18 image try harder 4/21 image
    Newcomers welcome :)
  • cathybird
    cathybird Posts: 15,660 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not one for me today, only essential expenses though but still can't say it's an NSD. :)
  • newroadahead
    newroadahead Posts: 1,345 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Another NSD today but not yesterday as out for coffee with friend

    NRA
    NewRoadAhead Debts Sep 2009 £35,000.00Debt Free November 2014, Mortgage free June 2022
    #No16 2025 52 week envelope challenge-£477/£1378
  • jammy_dodger
    jammy_dodger Posts: 1,925 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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. 

    thats  brilliant Mrscautious    resisting  the  bakery  urge  is  a  tough  one :)
  • 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 2046

    2024 overpayments £769/£1000

    Daily interest rates: £8.16/£3.37


  • jammy_dodger
    jammy_dodger Posts: 1,925 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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 x 
  • KajiKita
    KajiKita Posts: 7,741 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD for me 😊

    4 out of 15.

    KK
    As 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. 
  • herebeme
    herebeme Posts: 202 Forumite
    Part of the Furniture 100 Posts Photogenic Combo Breaker
    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: 3/365
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