December
Dazzling December's No-Spend Days Challenge!
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NSD #2 for yesterday please
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Day 4 today...Cancel the kitchen scraps for lepers and orphans, no more merciful beheadings, and call off Christmas.1
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1 NSD for Friday and 1 for today, thanks!
This will will be spendy as I have to go to the office twice, so I don't expect to have another NSD until Friday sadly..My debt free journey starts on 30/08/2023:
CC1 - 5,151.92 now 5,110.89
CC2 - 4,625.87 now 4,710.77
CC3 - 4,166.15 now 4,447.66
Current outstanding total: 14,269.32
Aiming to be debt free by Dec 2026.
May 2024 No-Spend Day Challenge - 7/17
NST May 2024 -
#21 1p savings challenge 2024 £188.11/£671.611 -
Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =December targetsAuntieL 2/12beanielou 4/19cathybird 4/15changingmyways23 1/10Crazycatlady2 15Cuddlymarm 1/15Doris17ErinBB 10GeorgianaCavendish 3/18KajiKita 1/15LadyWithAPlan 2/13laura lau 2/15leftatthetrafficlights 4/15LittleMissDetermined 3/15Makingabobor2 1/15QueenJess 2/15Rupacomp 2/10Saver-upper 15short bird 4/18Newcomers welcome
In April I am taking a break from buying: Books
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NSD #2 today - I do need to do some Xmas online shopping but I am determined to declare some NSD to start Dec well.
There will always be a (beautiful stilettoed) foot in fabulous in LaPlan's life.
I am choosing to be fabulously frugal to support some wonderful life changing and affirming financial goals including buying a London home I love.
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things. You can’t really hack your way to frugal. You can and should take advantage of discounts, coupons, rewards points, and the like. But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
My March streaks to track
Track Minimalist game items (Nov 310) (Dec 95) (Jan 90) Feb 50
Exercise streak
YNAB days:: Target 50 days -Age of money 29
Track my NSD's - Target 13 days/ 0/13
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest1 -
I spent on Sunday 3rd but not today - so 1 NSD for me today pleasePaying down my debt
April '24: £2,313.27
Mar '24: £3,132.45
Feb '24: £3,632.45
Jan '24: £4,082.45
Dec '23: £4447.55
Read my debt-free diary1 -
Hi
I’m afraid that today and tomorrow are very spendy days. I got the ok to return to work so I’m doing half my hours and light duties for the first two weeks and then gradually more but it means I need to get Xmas sorted, the cards done and sent and the present money sent to the various great nieces and nephews. Luckily I won’t need to break into the credit cards this year as I’ve not spent much while I’ve been off sick.🎄December 🎄 NSDs 11/151 -
NSD for me today 😁Debt-free journey started August 2023
May 2024 update:
NSD Challenge 7/15
Debt £4737.45 £588.56
Savings £3946.27 £2690.96
Books read 51 -
Well done LittleMissDetermined, beanie, GeorgianaCavendish, short bird, laura lau, LadyWithAPlan, changingmyways23 and AuntieLIn April I am taking a break from buying: Books
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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.1
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