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Marvellous March's NSD Challenge!
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Yes there's a shiny new month just round the corner, any thoughts on targets? ...
March targetsbeanielou 15bekah89 15 cathybird 15 cherry 22 15 craftingmad Crazycatlady2 GeorgianaCavendish jammy dodger 20 KajiKita 15 leftatthetrafficlights 15 LittleMissDetermined Makingabobor2 Money Choices MrsCautious QueenJess 15 Rupacomp 10 Saver-upper Scowles short bird 18
Newcomers welcome
1 -
NSD today.15 for April.KKAs 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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 -
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.2 -
Another one today, up to 11/15 Only 3 days till end of month, so not going to make it.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....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 £7.48
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-up2 -
MarchOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
March targets
beanielou 21/15
bekah89 14/15
cathybird 24/15
cherry 22 16/18
craftingmad 2/15
Crazycatlady2 19/20
GeorgianaCavendish 19/20
jammy dodger 20/20
KajiKita 16/15
leftatthetrafficlights 21/20
LittleMissDetermined 17/17
Makingabobor2 11/15
Money Choices 10/10
MrsCautious 13/20
QueenJess 16/18
Rupacomp 15/18
Saver-upper 11/15
Scowles 10
short bird 19/18
Newcomers welcome
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Well, until about 5 minutes ago, this was a NSD. Then my 19yo son comes home from work and asks if I can buy his next month's bus ticket. Would have felt a bit silly asking him if I could buy it after midnight to keep my NSD
So I'm going to cheat a bit, and call it NSD#11 anyway!
My target for March, as usual, was 15. But this month there has been a lot of days where an NSD has been "wasted" due to a one- off, necessary spend: dental treatment, children's school lunch card top-up, monthly bus tickets x 2 for son, dog food........(5 NSDs lost just in that list there!! ) Over the last few days I've been thinking how I can save a few more of these lost NSDs. I guess it will be things like topping up lunch cards with larger amounts, instead of little and often, maybe buying twice as much dog food at a time as I do at the moment. Things to ponder......
Could you put me down for 15 NSDs in April please cathybird? Thank you xSPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.501 -
Well done QueenJess, LittleMissDetermined, cherry 22, GeorgianaCavendish, Crazycatlady2, short bird, QueenJess, jammy dodger, KajiKita, beanie, Makingabobor2 and Saver-upper
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@Saver-upper Public transport is one of the things it's completely fine to exclude anyway so you're not cheating! x 3
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Things that are regular and necessary like dog food, petrol and bus etc I wouldn’t count as I kind of account for them at months start so it’s spoken for even if not spent if that makes sense 😂Saver-upper said:Well, until about 5 minutes ago, this was a NSD. Then my 19yo son comes home from work and asks if I can buy his next month's bus ticket. Would have felt a bit silly asking him if I could buy it after midnight to keep my NSD So I'm going to cheat a bit, and call it NSD#11 anyway!
My target for March, as usual, was 15. But this month there has been a lot of days where an NSD has been "wasted" due to a one- off, necessary spend: dental treatment, children's school lunch card top-up, monthly bus tickets x 2 for son, dog food........(5 NSDs lost just in that list there!! ) Over the last few days I've been thinking how I can save a few more of these lost NSDs. I guess it will be things like topping up lunch cards with larger amounts, instead of little and often, maybe buying twice as much dog food at a time as I do at the moment. Things to ponder......
Could you put me down for 15 NSDs in April please cathybird? Thank you x4 -
Right so today I’m buying a shed and chip shop tea so a spend day 🤷♀️3
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