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Joyous January's No-Spend Days Challenge!
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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 -
one NSD for me yesterday and one more NSD for today!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/661 -
NSD Monday please1
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7/16 aim 16/31 NS victory today, I have been lightly thinking in the background what could I spend money on, well what food could I buy, but have persuaded myself to not think on this too much and in fact where I needed soemthing sweet I didn't really and had a yoghurt (already purchased) and felt just fine.2
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NSD for me today 😊
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.1 -
January Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 9/12Balancinglife 9/18basketcase 1/12Baxtersmum 12beanielou 13/19bloomfelt 10blubella 12BudgetingBelinda 9/15cathybird 10/15Caeraugirl 9/20Couldsavemore 8/15craftingmad 16Crazycatlady2 12/20Doily94 4/16Dorothy707 6/12Flying By 6/10FrugalMum3 1/26GeorgianaCavendish 6/15Hawley Gryphon 4/10Honeysucklelou2 3/10HotDog2020 7/16ilovetea 13/20KajiKita 9/15keggie 9/12laura lau 10/16leftatthetrafficlights 12/24lianne1984 5/10LittleMissDetermined 11/22Makingabobor2 6/15Money Choices 10MrsCautious 13/20outoftheviciouscircle 11/15PurplePhoenix62 7/10QueenJessRupacomp 4/12Saver-uppershort bird 9/20SpruceDog 12TheScarletPixie 2/20Thevalueofless 7/10try harder 20Newcomers welcome
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NSDs on Friday & Sunday so I'm on 5 / 10 nowFebruary NSDs: 0 / 10
February PADs: 2 / 29
February Groceries Challenge: £59 / £250
February Make £5 a Day: £255 / £145
Current Debt: £3159 | CC £1490 | N £571 | C £725 | E £373
Weight Loss Challenge 2024: 0 lbs1 -
NSD yesterday and today.
13/15.
ilovetea xx
Make £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/201 -
cathybird said:bloomfelt said:Hi @cathybird Thankyou for the thread. I'm a bit late to the party but after being AWOL for quite some time i really need to find some focus again and I know that the challenges give me some accountability. I'd like to try for 10 days between now and the end of the month not including bill direct debits, fuel and shopping that's within my grocery budget. Unfortunately I met a colleague for coffee today and it was my turn to pay so still on 0 for a minute.
Unfortunately I haven't done well so far since rejoining. there has been something small and silly every day. But hoping to change that tomorrow. :-)January NSD8/102 -
Another one for me - now #9 of 20.#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 3/102
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