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Joyous January's NSD Challenge!

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  • MrsCautious
    MrsCautious Posts: 1,621 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    #15 checking in with #NSD number 8.

    went to post some parcels, paid by card from delivery payments made by eBay buyers, so not a spend for me x

    Resisted all impulses to buy anything else, mainly chocolate 🤦🏻‍♀️😀
  • 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
  • KajiKita
    KajiKita Posts: 7,747 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Had an NSD today …. But …. After declaring yesterday I realised that my driving licence was going to expire in the next month or so. I had a JFDI! moment and got a new one arranged, so that was £14 gone! 

    So, still at 6 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. 
  • beanielou
    beanielou Posts: 95,629 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.
  • Makingabobor2
    Makingabobor2 Posts: 4,225 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Another one today.... 7/15 :) 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,524....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 £14.50

    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


  • cathybird
    cathybird Posts: 15,664 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 10 January 2023 at 12:31AM
    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 5/25 imageimage
    Arwen 1/10 image beanielou 9/15 imageimage bekah89 9/15 imageimage cathybird 8/15 imageimage cherry 22 5/10 imageimage CMD79 7/16 imageimage craftingmad 3/15 image Crazycatlady2 7/20 imageimage Diane1276 10 funfairprincess 3/10 image GeorgianaCavendish 5/17 imageimage gm2917 3/15 image HappyFriday05 5/8 image herebeme 4/15 image jammy dodger 6/18 imageimage KajiKita 6/15 imageimage Karb 3/15 image Lanky larry 2/20 image leftatthetrafficlights 1/15 image lindsaygalaxy 1/15 image LittleMissDetermined 5/10 imageimage LLM2018 5/20 imageimage Makingabobor2 7/15 imageimage Money Choices 15 MrsCautious 8/15 imageimage MummyRivett 7/25 imageimage newroadahead 4/10 image outoftheviciouscircle 5/15 imageimage QueenJess 5/20 imageimage Rupacomp 7/15 imageimage Saver-upper 5/15 imageimage short bird 6/18 imageimage try harder 9/21 imageimage
    Newcomers welcome :)
  • try_harder
    try_harder Posts: 1,532 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    Another NSD today so no spends for me so far this year ..9/21
  • Saver-upper
    Saver-upper Posts: 2,348 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 9 January 2023 at 11:13PM
    Ooooohhh, can I join please??

    Happy New Year all- I hope everyone is keeping well. 

    Thank you cathybird for running the thread. I spent a lot of time over the Christmas holidays looking at my spending for the last 12 months. I definitely need to reign in grocery spending  :o  I know I always think more carefuly before spending when I am doing this challenge, so here I am  :D .

    I have already had 5 NSDs this month, aiming for 15 (I exclude milk, bread and petrol for this challenge. It really isnt worth pushing the car home just for an NSD)  :o:D:D  
    SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £301,Valued Opinions £10.50





  • Rupacomp
    Rupacomp Posts: 305 Forumite
    Fourth Anniversary 100 Posts Name Dropper Photogenic
    Another NSD today 
    Savings goal by 31/12/24: £22000
    Dec 23: £6945.23
  • cathybird
    cathybird Posts: 15,664 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi there Saver-upper image and welcome back image I've added you to the list, best of luck with the challenge! image
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