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!
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I’m joining the early call for another NSD club 😀
plus I’ve accidentally left my purse at home 🤦🏻♀️#15 5 NSDs2 -
NSD #4 for me today2
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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 5/15
bekah89 6/15
cathybird 5/15
cherry 22 3/10
CMD79 5/16
craftingmad 3/15
Crazycatlady2 4/20
Diane1276 10
funfairprincess 2/10
GeorgianaCavendish 4/17
gm2917 2/15
HappyFriday05 4/8
herebeme 4/15
jammy dodger 4/18
KajiKita 5/15
Karb 1/15
Lanky larry 2/20
leftatthetrafficlights 1/15
lindsaygalaxy 1/15
LittleMissDetermined 5/10
LLM2018 5/20
Makingabobor2 5/15
Money Choices 15
MrsCautious 5/15
MummyRivett 5/25
newroadahead 3/10
outoftheviciouscircle 5/15
QueenJess 3/20
Rupacomp 5/15
short bird 4/18
try harder 5/21
Newcomers welcome
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Hello another one for me today. It very nearly wasn't lol 😂
So I'm up to 5/20
LLMWhen life throws you a curveball, learn to catch it and throw it back! Feb Grocery Challenge/£1003 -
4/18 for me today thanks cathybird x3
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Ah I really fancy the cheese and beans now you've said that!jammy_dodger said:
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.
I am adding one more please @cathybird
NSD #5/16 so at least I'll get a tea break now 3 -
Day 6 today… longest roll I’ve had!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 14/02/23PAYDBXMAS23 #4 £1432.74/£4000
Saving for Xmas 23 £30/£365
4.94% £570.89/£107
make £2023 in 2023 #24 £71.24/£20234 -
3 NSD in a row for me and I even turned down a take away which hubby offered (might not have as much willpower tomorrow though!!!)
3/15Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.023 -
I needed fuel for the car but didn’t stop on the way home as the weather was ugh ….
5 / 15 NSDs - go me!! 😊
It will be a spend day tomorrow - need new tyres for the car and a brake light lamp as well as fuel! 😉
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 -
Today was an unexpected 5/15 Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%3
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