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Joyous January's NSD Challenge!

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Comments

  • Makingabobor2
    Makingabobor2 Posts: 4,700 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    My first NSD of the month.  :)
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,764....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  

    Challenges

    EF  £1570/£3000
    .

    Studies/surveys April.....£43.44

    Decluttering items 1402/    2025.  183/2026
    Books read    23 in 2025.  2026- 10 (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • CMD79
    CMD79 Posts: 751 Forumite
    500 Posts Second Anniversary Name Dropper
    Happy new year all! I can’t remember if I told you, but I’m going for 16 please for January!

    First one in the bag for today  o:)

    Thanks @cathybird for hosting us again!  <3
    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)


  • MummyRivett
    MummyRivett Posts: 424 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Does anyone use the Debt Free charts?They are currently free to download until the end of the month.  There are savings ones too.  Great for NSDs

    https://debtfreecharts.com/
    • MSE Forum Achievements:
    • Debt-free & Proud - December 2014
    • Fully Funded 12 Month Emergency Fund - December 2020
    • Current Challenges: No Spend Challenge 2023
    • January NSD: 16/25
  • cathybird
    cathybird Posts: 16,483 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 1/25 image
    AnotherNewDay beanielou 1/15 image bekah89 1/15 image cathybird 1/15 image cherry 22 10 CMD79 1/16 image Crazycatlady2 1/20 image Diane1276 10 funfairprincess 10 GeorgianaCavendish 1/17 image HappyFriday05 1/8 image herebeme 1/15 image jammy dodger 18 KajiKita 1/15 image Lanky larry 1/20 image leftatthetrafficlights 1/15 image lindsaygalaxy 1/15 image LittleMissDetermined 1/10 image LLM2018 1/20 image Makingabobor2 1/15 image MrsCautious 15 MummyRivett 1/25 image newroadahead 10 outoftheviciouscircle 1/15 image QueenJess 1/20 image Rupacomp 15 short bird 1/18 image try harder 21
    Newcomers welcome :)
  • cathybird
    cathybird Posts: 16,483 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    image
    Happy birthday Lanky larry, hope you've had a fabulous day! image
  • LittleMissDetermined
    LittleMissDetermined Posts: 10,548 Forumite
    Part of the Furniture 10,000 Posts Debt-free and Proud! Photogenic
    Lanky_larry said:
    No spends today! It’s my birthday so I usually treat myself to something online, but I have all I need and more so avoided searching up things I saw on TikTok 😄
    Happy birthday!!! I hope you enjoyed your day :)

    MummyRivett said:
    Does anyone use the Debt Free charts?They are currently free to download until the end of the month.  There are savings ones too.  Great for NSDs

    https://debtfreecharts.com/
    I do! I love colouring them in and they help with motivation for clearing my debt x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017
    EF £1000/£1000 | Sabbatical £4685/£6000
  • cathybird
    cathybird Posts: 16,483 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lanky_larry said:
    Thank you! Just a relaxed one as this round of DHs chemo doesn’t end until Tuesday so we’re going out for a meal next weekend instead 🥰
    Oh gosh yes, hope the treatment goes well & it solves what it needs to solve xx and that you have a lovely dinner out next weekend :)
  • cathybird
    cathybird Posts: 16,483 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done KajiKita, LittleMissDetermined, bekah89, HappyFriday05, LLM2018, Crazycatlady2, herebeme, QueenJess, Adeley, leftatthetrafficlights, short_bird, GeorgianaCavendish, outoftheviciouscircle, MummyRivett, beanie, lindsaygalaxy, Makingabobor2, CMD79 and Lanky larry imageimageimage
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