Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%
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Joyous January's NSD Challenge!
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cathybird
Posts: 15,660 Forumite


This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would
like to achieve during January. To join, just post your personal target and you are on your way!
Tips for the challenge:
1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve.
If you've never done the challenge before, it's probably better to start with a goal of 10 or (at most) 15.
2. It is fine to exclude necessary expenses eg petrol, groceries, pet food, etc, when it comes to deciding
what is and isn't an NSD. It is also completely fine to exclude automated or recurring payments such as bills, mortgage or direct debits.
3. It does help to post every time you notch up an NSD, or at least every two or three days ... it's easy to lose track! If you want to keep track of your NSDs in your MSE signature, that can be really motivating too 

4. It also helps to bookmark the thread, it's much easier to find 

5. NSDs are trickier than they seem and easily derailed. It makes the challenge much easier if you notch up as many as you can in the first half of the month.
January
Off to a start = 

5 days = 

10 days = 

15 days = 

20 days = 

Target reached = 

Target beaten = 

3
Comments
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January targetsbeanielou 15bekah89 10 BPaisley77 10 cathybird 15 CL21 fluffytail 20 GeorgianaCavendish 15 jammy dodger 23 Munchin kitty43 Nintud 15 outoftheviciouscircle 15 QueenJess 20 sazzles01234 21 scotmumof3 20 shell16 10 short bird 20 Sun Addict welshspendthrift 12 WinterWarrior 12
Newcomers welcome
2 -
Me please, I’ll try 10 as it’s my first time 😄3
-
hi BPaisley77
and welcome
I've added you to the list, best of luck with the challenge!
3 -
Hi everyone. Can I join with a target of 15 please.2
-
Morning!
Can I please join, my first time also so will aim for 10 days.
Thanks
Debt Free - 04/03/23. Total LBM August 2021 £15410.70
2 -
hi outoftheviciouscircle
and shell16
and welcome to our lovely challenge
I've added you to the list, best of luck!
2 -
I will join, target of 10 pleaseMarch NSD 14/15
Debt £9607.54/£11296.89
CC2:£2274.64/£2299.36 CC3: £1848/£1924.91 CC4:£25/£978.50 CC5: £1155/£1331.24 CC6: £3754.90/£4191.09 CC7: £550/£607.39
CC1: paid off 14/02/23PAYDBXMAS23 #4 £1432.74/£4000
Saving for Xmas 23 £30/£365
4.94% £570.89/£107
make £2023 in 2023 #24 £71.24/£20232 -
Target of 12 for me pleasePay ALL your debt off by Xmas 2021 no 50 Target for this year £12,000
Pay all your debt off by Xmas 2022 target £15,000 pd £7969.95 / 15,000
SPC 2022/23 014
Pay all of your debt off by XMAS 2023
#no 28 target £11,200.002 -
Can I join please?
Target of 15.
im doing a bulk cook over the next couple of days and hoping to drastically reduce our grocery spending during January.
Turkey sandwich with blue cheese anyone?!MBNA 237.47/13997.47
Santander 300/10550
Nationwide 60/460
Very 943/943 paid off 01/02/25
Santander OD 0/2900
Nationwide OD 100/200
Mortgage 18430/125194
EF 300/1000
Declutterred via Vinted 53/2025
NSD Feb 2/7
SPC2025 #11
52 wk envelope challenge #6 28/virtual
Debt repaid 2025 2437.60/38650.60
MFW 2025 1036/107800
Make £2025 in 2025 458/2025
Friday Fiver 35/260 virtual pot.
- - - -
What matters is how we live and love and how we spend our dash. (L Ellis)2 -
Can I join in please? I’m gonna be brave and set a target of 20.LBM December 2021
Total debt - £8213.05
NSD - Jan /201
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