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Joyous January's NSD Challenge!

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

5 days = image

10 days = image

15 days = image

20 days = image
Target reached = image
Target beaten = image

«13456741

Comments

  • cathybird
    cathybird Posts: 15,660 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 30 December 2021 at 11:59PM
    January targets
    beanielou 15
    bekah89 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 :)
  • Me please, I’ll try 10 as it’s my first time 😄
  • cathybird
    cathybird Posts: 15,660 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi BPaisley77 image and welcome image I've added you to the list, best of luck with the challenge! image
  • Hi everyone. Can I join with a target of 15 please.
    Total debt when my journey began in December 2022- £66,133.42
    Current debt May 2024- £40,064.57
    Repaid 39.42%

    My Debt Free Wannabe Diary
    https://forums.moneysavingexpert.com/discussion/6411146/the-final-bite-of-the-cherry-journey-to-clear-66k#latest

  • shell16
    shell16 Posts: 1,354 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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

  • cathybird
    cathybird Posts: 15,660 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 30 December 2021 at 4:17PM
    hi outoftheviciouscircle and shell16 and welcome to our lovely challenge I've added you to the list, best of luck!
  • bekah89
    bekah89 Posts: 421 Forumite
    Third Anniversary 100 Posts Name Dropper
    I will join, target of 10 please 
    March 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 14/02/23

    PAYDBXMAS23 #4 £1432.74/£4000
    Saving for Xmas 23 £30/£365
    4.94% £570.89/£107 
    make £2023 in 2023 #24 £71.24/£2023
  • Target of 12 for me please 
    Pay 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 £11,200.00



  • Nintud
    Nintud Posts: 554 Forumite
    Tenth Anniversary 500 Posts Name Dropper Photogenic
    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)
  • 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 /20
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