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Joyous January's No-Spend Days Challenge!

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Comments

  • beanielou
    beanielou Posts: 97,406 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    One today. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • MrsCautious
    MrsCautious Posts: 1,621 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    cathybird said:
    MrsCautious said:
    Early call for reaching my target of 20 NSDs today as I have taken soup into work. Really pleased to have controlled my spending so far this month.
    @MrsCautious well done and lots of month left too! imageimage
    Thank you x I am trying today as well, I go away Thursday with my daughter so let's see how far I get! And I do need to buy travel insurance! 
  • AuntieL
    AuntieL Posts: 454 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    Declaring two more NSDs - Monday and Tuesday. So I have passed my target 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    December 2025 NSD Challenge 1/15

    MFW 2025 #45
    Jan 2016 Mortgage = £150,894 (23years 0months)
    Current outstanding = £93,038.66 (10years 5months)
    2024 Overpayment = £675.66
    2025 Overpayment = £710/£700
    2026 Overpayment = /£1000
  • SecondStar
    SecondStar Posts: 663 Forumite
    500 Posts Third Anniversary Name Dropper
    Had a spend day on Monday - 2 spools of sewing thread for £5, but money well spent as that will set me up for 4 projects.

    Totalling 20/23 NSDs for January so far!
    ‘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.

    261 No Spend Days in 2024!

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

    Nationwide 1 year 6.5% Savings - £1,400 / £2,100
  • MrsCautious
    MrsCautious Posts: 1,621 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Another NSD today, making it 21.
  • Flying_By
    Flying_By Posts: 274 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Today is an accidental NSD for me!  
  • HotDog2020
    HotDog2020 Posts: 593 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Hi 10/23 aim 16/31, thanks Cathybird. Yay!
  • BudgetingBelinda
    BudgetingBelinda Posts: 496 Forumite
    100 Posts First Anniversary Name Dropper
    12/15 🎉 thank you
    Emergency Fund: 1000/2000
    August Grocery Challenge: 208/550 
    S&S ISA: £420
    Save 12k in 2025: #10 1200/10000
    100 steps challenge.. to be where you want to be in 2025:
    EF 60/100 (1 step= £20)
    holiday 0/100 (1 step= £30)
    savings 4/100 (1 step= £50)

    2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
  • keggie
    keggie Posts: 344 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    woo hoo - hit my first target.

    12/12 this month - will try for 15 next month 
    GC 2024 £1445.91/£3000
    GC July 24 £0/£250
    #16 XMAS 2024 £300:£366
    Surveys £32.05
  • KajiKita
    KajiKita Posts: 8,947 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD Tuesday 👏

    KK
    As at 15.12.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
    - OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
    Fixed rate 3.85% ends October 2030

    Read 77 books of target 52 in 2025, as @ 13th December 
    Produce tracker: £447 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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