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Joyous January's No-Spend Days Challenge!

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Comments

  • Makingabobor2
    Makingabobor2 Posts: 4,556 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Forgot to declare yesterday. up to 7/15 now
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £27,424....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  

    Challenges

    EF  £1150/£3000
    .

    Studies/surveys January £35.35

    Decluttering items 1402/    2025.  49/2026
    Books read    23 in 2025.  2026- 2 (target is 52)  
    Jigsaws done  20 in 2025.  2026  

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • AuntieL
    AuntieL Posts: 475 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    Another on for me today 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    January 2026 NSD Challenge 5/15

    MFW 2025 #45
    Jan 2016 Mortgage = £150,894 (23years 0months)
    Current outstanding = £92,396.89 (10years 4months)
    2024 Overpayment = £675.66
    2025 Overpayment = £710/£700
    2026 Overpayment = £44.43/ £1000
  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    one NSD for me 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 43.5/66
  • Thevalueofless
    Thevalueofless Posts: 74 Forumite
    10 Posts First Anniversary Name Dropper
    Another NSD for me today so reached target and got my little piggy bank. Let's see how many over it I can do...

    TVOL
    10/10
  • Caeraugirl
    Caeraugirl Posts: 604 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Another NSD for me, bringing me up to 10. Have a couple of spendy days coming up tomorrow and Saturday, but still hoping to make my target of 20 for the month.
    #21 Save £12k in 2025 £25577.35/£20000


  • Makingabobor2
    Makingabobor2 Posts: 4,556 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    another one for me today, making 8 in total
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £27,424....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  

    Challenges

    EF  £1150/£3000
    .

    Studies/surveys January £35.35

    Decluttering items 1402/    2025.  49/2026
    Books read    23 in 2025.  2026- 2 (target is 52)  
    Jigsaws done  20 in 2025.  2026  

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • SecondStar
    SecondStar Posts: 667 Forumite
    500 Posts Third Anniversary Name Dropper
    Another NSD today, which makes 16/18 so far.

    My goal is to make it to the end of the month with maybe only 1 extra day with a spend - I may get in some cotton sewing threads, so that I can continue with my stitching projects.

    This is not to say that this hasn’t been an expensive month! I am in the red already due to extra pet medications needed, a really stupid speeding fine, extra additional therapies for my dog, and extra top ups of gas and electric. It’s been a grim January.
    ‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’

    Frugal living in 2024.
    Frugal living in 2025.
    Frugal living in 2026.

    261 No Spend Days in 2024!

    3-month Emergency Fund: £3,500 / £3,500 - DONE!
    1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
    6 month Emergency Fund: £5,768 / £8,000

    Nationwide 1 year 6.5% Savings - £1,600 / £2,200
  • KajiKita
    KajiKita Posts: 9,246 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    One for yesterday and one today.

    KK
    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 5 books of target 52 in 2026 as @ 13th January 
    Produce tracker: £18 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • short_bird
    short_bird Posts: 4,068 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Unexpected day 12 as the card machine at the chiropractor's wasn't working... no, they didn't ask for cash (!) 
    ‘Keep your eye on the donut and not on the hole.’ David Lynch.
    "It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.
  • [Deleted User]
    [Deleted User] Posts: 0 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Staying on 8/31 Boo Hoo, early morning game, spent way more then I should have. 
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