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Joyous January's NSD Challenge!
Comments
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Popping in early with another NSD.
Can’t believe I last paid for something on January 3rd. It’s a weird but positive feeling I reckon, I’m not used to it.
I’m not counting direct debits/standing orders but they haven’t been coming out either in that time.Going away for the weekend and have booked meals 2 nights running so would like to get to Saturday with my partner paying for the first one…and maybe the second…but even if I do pay for one of the meals/cinema tickets/museum entrance it will be satisfying to know I haven’t spent any amount on the run up to our little break, it’s a sense of achievement.
Apologies for a lengthy post, I’m just getting my head round how this challenge actually helps, thank you @cathybird for running it.#15 11 NSDs5 -
Another nsd yesterday more by luck than anything as I was under the weather and didn't venture out
6/10
Thank you Cathy bird
NRANewRoadAhead Debts Sep 2009 £35,000.00Debt Free November 2014, Mortgage free June 2022
#No16 2025 52 week envelope challenge-£477/£13784 -
Today was just bread so calling it a NSD even though I also paid for daughters art book but it’s educational so not counting it4
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Not today, I had another birthday present to buy. I should have been more organised and done these all on the same day - but I guess at least I had already topped up the pot to cover the costs3
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JanuaryOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAdeley 5/25Arwen 1/10
beanielou 12/15
bekah89 10/15
cathybird 10/15
cherry 22 6/10
CMD79 8/16
craftingmad 3/15
Crazycatlady2 8/20
Diane1276 10 funfairprincess 3/10
GeorgianaCavendish 7/17
gm2917 3/15
HappyFriday05 5/8
herebeme 7/15
jammy dodger 6/18
KajiKita 9/15
Karb 3/15
Lanky larry 2/20
leftatthetrafficlights 1/15
lindsaygalaxy 1/15
LittleMissDetermined 5/10
LLM2018 5/20
Makingabobor2 8/15
Money Choices 15 MrsCautious 11/15
MummyRivett 7/25
newroadahead 6/10
outoftheviciouscircle 5/15
QueenJess 7/20
Rupacomp 7/15
Saver-upper 7/15
short bird 8/18
try harder 11/21
Newcomers welcome
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One today.
No 12.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.2 -
I forgot to claim yesterday’s NSD. But today is not as for the bus and might go to the pub after work.
Now 7/15
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: 3/3652 -
NSD today 😊
9 of 15
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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 -
No spend day for me today so thats 11/21.for me3
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Not one for me today as DS needed new wellies.2025 decluttering: 4,925 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟2025 use up challenge: 356🥉🥈🥇💎🏆Mini freezer challenge +5/-20Big kitchen declutter challenge 118/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002
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