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No Spend January 2022

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  • Nichelette
    Nichelette Posts: 2,123 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    NSD yesterday. Went for a drive earlier somewhere we don't usually go with the intention of going for a walk but had to pay for parking (£2.10). I don't think having to spend is good for me because I then bought a budget book (£4) and two heavily reduced cheese truckles in M&S (£5 to 61p). We do eat masses of cheese, so I suppose in the long run it's a saving... 
    That doesn't count in my book, on the grounds that it is not MSE to look a gift horse in the mouth. Decent YS that will be eaten and appreciated trumps NSD every time!
    I'll take that :D 
    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £192,984.78/CENTER]
    Overpayments since 27.03.19: £52,341.43
  • cuddlymarm
    cuddlymarm Posts: 2,205 Forumite
    Part of the Furniture 1,000 Posts
    Hi guys
    Only 2 NSDs so far but I needed some salad, so while I was spending I bought some packets of pasta in sauce and the £5 offer in Iceland. So £11 in all but will stretch what already I’ve got in.
    I need to do the next bit of my menu plan, my cupboards are still full. The only Xmas stuff left is some nice cheeses, some rum truffles and a small bag of popcorn. 
    I actually felt hungry today,  instead of grazing we stuck to mealtimes. I already feel better for it. I knew it was time to start eating better because I’d started to crave lettuce 😂

    June NSD 8/15
  • Hi everyone
    I've acheived 2 x NSDs this month so far; also didn't drive my car between 1 & 3 January - trying to limit car use to work and essential journies and aiming for 3 no driving days a week :)
    LBM - October 2018; finally debt free on 16 March 2021
    2023 Mortgage Free Wannabee #92023 Mortgage free in March 23 !
    Decluttering Campaign member 2023🏅🏅 🏅⭐️⭐️
    Decluttering Campaign Member 2024 🏅🏅
    Decluttering Campaign Member 2025
  • Well I am failing at this! I popped into town to get a 9V battery from Poundland (for my smoke alarm), a new belt and some salad.

    I ended up with 3 belts, a pair of Chelsea boots (bargain at £6), fruit, salad, battery, 3 lipsticks and a diary :blush: . Total cost £14.
    On the upside that is an utter bargain!
    Grocery challenge:
    Oct 24.£/£400
    Sept 24 £500/£500

    Dec 2023
    Debt pay down: from move
    loan: £11500
    CC £4222, Jan 24 £3831, 

    Oct 2024 new debt pay down
    Personal loan £10000
    Cc: £3758

    Barclaycard (£187) £0  
    Debt to family - (£200) £0
    Tesco (£2200) (£5343) 0
    Halifax (£488) £298 =£0
    Virgin £3611 = £3572
    Santander = £1500
    Total: Mar 2020 (£6486 ) Apr £6109 May £5665 (+£106 tranfer fee); June £5331 Sept (£950 added) £5343, Dec  £5070 April 2021 PAID OFF!!
  • Caramac
    Caramac Posts: 214 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Yesterday ended up spending more than planned in the supermarket but bought chicken and cornish pasties on offer. Today I bought a kindle book reduced to 99p which although it was a fail it was on my wishlist.
  • My second NSD today. I took my lunch and hot drink into work. Felt good to be organised!
    Grocery challenge:
    Oct 24.£/£400
    Sept 24 £500/£500

    Dec 2023
    Debt pay down: from move
    loan: £11500
    CC £4222, Jan 24 £3831, 

    Oct 2024 new debt pay down
    Personal loan £10000
    Cc: £3758

    Barclaycard (£187) £0  
    Debt to family - (£200) £0
    Tesco (£2200) (£5343) 0
    Halifax (£488) £298 =£0
    Virgin £3611 = £3572
    Santander = £1500
    Total: Mar 2020 (£6486 ) Apr £6109 May £5665 (+£106 tranfer fee); June £5331 Sept (£950 added) £5343, Dec  £5070 April 2021 PAID OFF!!
  • Have to confess to failing on day, as I spent £16.57 in the local shop on drink and snacks! Dry January now started, so no more need to nip to the shop. Managed 3 NSDs since then. 
  • DawnW
    DawnW Posts: 7,749 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Yesterday was NSD 4, but I will need to do a small grocery shop today.
  • patentgirl
    patentgirl Posts: 1,041 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Morning first spend yesterday £6.25 on few food bits shouldn't need to go till Friday or may stretch to Saturday good news checked my premium bonds won £25.
    Frugal challenge 2025
    Feb  Grocery Challenge £250

  • Please may I join?


    • £2 savers club for 2022 #9
    • NST January 2022: Janus #24
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