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No Spend January 2022

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  • DawnW
    DawnW Posts: 7,750 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    5 no spend days so far, including today :)
  • Nichelette
    Nichelette Posts: 2,123 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    NSD 4 today. Was nearly a fail as baby was being a nightmare and I was very tempted to buy pizza, but I was good and made macaroni instead. 
    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
    NSD 3 for me today. Cheap bread at work and succumbing to the coffee shop ( to be fair it wasn’t my fault because they changed my rota and hadn’t made sure I knew so I had an hour to waste)


    June NSD 8/15
  • 5th NSD today! So happy with myself. 💃
    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!!
  • Hi everyone, hope I can join also!

    I started my NSD challenge on 1st January. I don't count groceries (food/cleaning/pets/hygiene) or bills so I am on NSD 8!

    My weak spot is books. However, when I had a wobble yesterday I placed the book on the "watchlist" instead...crisis averted!
  • Caramac
    Caramac Posts: 214 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Food shopping today but I only bought what I actually need. All we need during the week is milk.
  • I have found that having kindle unlimited helps - I got 6 months for £22 something a while back. Not sure if I will keep it once this period is up, but there are an awful lot of books available to read for no extra cost.

    Ah awesome. I am trying 'libby', my library in the SE has it and so I can get loads of e-books and audio straight from that, but, I work with screens and so physical books were my get-a-way. I agree though about leaving and coming back. I had a wish list last year and just before Xmas decided to go through it, around 50 books and the list is now 5!!

  • Caramac
    Caramac Posts: 214 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    The 99p Kindle books are a magnet for me. I’m trying to only buy them this year if they are on my wishlist. I probably have some unread from several years back.
  • I am president of our local Friends of the Library group which puts on monthly book sales of books we can't fit in our tiny in-library book store. We sell them for 10 cents to 25 cents each (about 7p to 18p) and I usually end up getting a box at a time. Try to remember to take some back after I've read them or donate to another library, but I use some of them for reference books. It only costs me about $2.00, but the space at home is getting be a problem.
  • i like real books rather than kindle!  I buy second hand if i can.  
    I have acheived another NSD today, acheived thanks to a visit from my step mum who wanted a few things from the c00p and paid for a couple of things for me at the same time :) 
    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
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