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Joyous January's NSD Challenge!
Comments
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NSD for me today 😊 14 out of 15! Finding this ludicrously exciting 😊 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 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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.4 -
JanuaryOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAdeley 5/25Arwen 1/10

beanielou 19/15





bekah89 14/15


cathybird 15/15




cherry 22 8/10

CMD79 9/16

craftingmad 3/15
Crazycatlady2 16/20



Diane1276 10
funfairprincess 3/10
GeorgianaCavendish 14/17


gm2917 9/15

HappyFriday05 6/8
herebeme 10/15


jammy dodger 14/18


KajiKita 14/15


Karb 9/15

Lanky larry 10/20


leftatthetrafficlights 10/15


lindsaygalaxy 7/15

LittleMissDetermined 11/10




LLM2018 12/20


Makingabobor2 12/15


Money Choices 15
MrsCautious 15/15




MummyRivett 11/25


newroadahead 9/10

outoftheviciouscircle 7/15

QueenJess 13/20


Rupacomp 9/15

Saver-upper 10/15


short bird 12/18


SueP19 7/10

try harder 11/21


Newcomers welcome
1 -
Well done gm2917, LittleMissDetermined, GeorgianaCavendish, Crazycatlady2, newroadahead, jammy dodger, beanie and KajiKita


3 -
NSD today helped by not going into the office.
10/15
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: 3/3653 -
Was with family today for such a poignant occasion and bought a meal this evening.Now aiming for a good run of NSDs as we head towards the end of the month.3
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Another NSD for yesterdayMake £2023 in 2023: £401.64/£2023
Feb Grocery challenge: £176.74/£380
Declutter 2023 in 2023: 2/2023
Feb NSD: 5/152 -
So after the realisation that I couldn't control direct debits I have recalculated my NSD to only include me physically spending
New total is 7 which includes yesterday 😁Debt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot4 -
NSD yesterday after resisting buying anything when there was loads on offer at work ridiculously cheap. However I don’t need anything and would have been buying for the sake of it.
2025 decluttering: 5,378 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 473🥉🥈🥇💎🏆Big kitchen declutter challenge 139/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5003 -
Hi everyone, calling today a NSD early as I have a busy work day and then hubby is out tonight so I'll be watching a movie from the sofa with the dog

LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60003 -
Monday, Wednesday and Thursday so far this week, so 9/15. Hoping for another one today, but not declaring that just yetDebt free since December 2015. It can be done2
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