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Joyous January's NSD Challenge!
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A NSD yesterday and will be another today. 1 short of target. Need to try slightly harder!2025 decluttering: 3,979🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 339🥉🥈🥇💎🏆
Big kitchen declutter challenge 113/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002 -
Ending Jan with another one today
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 #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25712 -
Had an NSD yesterday!!Savings goal by 31/12/24: £22000
Dec 23: £6945.233 -
Final NSD today 3
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NSD today as not leaving the house so 13/10 for the month
Will post new target in February
Thanks again CathybirdNewRoadAhead Debts Sep 2009 £35,000.00Debt Free November 2014, Mortgage free June 2022
#No16 2025 52 week envelope challenge-£477/£13783 -
NSD today so got to 19/15
Gutted that I missed the 20 emoji but there’s always next month, right? 😉
Actually, I am really pleased at how this has made me really aware of when I am spending so you will be seeing me again next month! 😊
As a little thank you for @cathybird:
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: £276 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 -
JanuaryOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAdeley 5/25Arwen 1/10
beanielou 27/15
bekah89 23/15
cathybird 24/15
cherry 22 12/10
CMD79 13/16
craftingmad 13/15
Crazycatlady2 25/20
Diane1276 10
funfairprincess 5/10
GeorgianaCavendish 21/17
gm2917 12/15
HappyFriday05 7/8
herebeme 15/15
jammy dodger 20/18
KajiKita 19/15
Karb 14/15
Lanky larry 10/20
leftatthetrafficlights 20/15
lindsaygalaxy 13/15
LittleMissDetermined 16/10
LLM2018 16/20
Makingabobor2 17/15
Money Choices 15
MrsCautious 24/15
MummyRivett 16/25
newroadahead 13/10
outoftheviciouscircle 7/15
QueenJess 19/20
Rupacomp 15/15
Saver-upper 14/15
short bird 20/18
SueP19 11/10
try harder 15/21
Newcomers welcome
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@QueenJess @KajiKita 19 is a fantastic total, you should both be really proud!! xx
Actually it's been a really fantastic January thread, one of the best 2 -
Finishing with 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.3 -
NSD Tuesday please, well done everyone x3
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