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Joyous January's No-Spend Days Challenge!
Comments
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One more today, making 10/15.
I did have to spend a bit, but it was planned for groceries from budget, so don't count thatMaking 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-up1 -
Up to 23 out of a hoped for 27.‘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 / £2,2002 -
Not one for me, paid an insurance bill, bought some bulbs for the garden, ordered some food, bought a book!
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January Off to a start =5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 14/12
Balancinglife 14/18
basketcase 1/12
Baxtersmum 12beanielou 22/19
bloomfelt 3/10
blubella 12BudgetingBelinda 12/15
cathybird 19/15
Caeraugirl 17/20
Couldsavemore 18/15
craftingmad 16Crazycatlady2 18/20
Doily94 4/16
Dorothy707 6/12
Flying By 11/10
FrugalMum3 1/26
GeorgianaCavendish 14/15
Hawley Gryphon 4/10
Honeysucklelou2 5/10
HotDog2020 10/16
ilovetea 22/20
KajiKita 17/15
keggie 14/12
laura lau 15/16
leftatthetrafficlights 22/24
lianne1984 10/10
LittleMissDetermined 19/22
Makingabobor2 10/15
Money Choices 7/10
MrsCautious 21/20
outoftheviciouscircle 15/15
PurplePhoenix62 10/10
QueenJessRupacomp 6/12
Saver-upperSecondStar 23/27
short bird 18/20
SpruceDog 12TheScarletPixie 2/20
Thevalueofless 15/10
try harder 20Newcomers welcome
1 -
I've had a spend day. Had hair washed and blow dried. Cost £8.
While there friend gave me a piece of chocolate Swiss roll :-)
ilovetea xxMake £2026 in 2026 £23-78.
Declutter 29 items in 2026
NSD's in Jan. 11/201 -
Well done LittleMissDetermined, laura lau, GeorgianaCavendish, short bird, Makingabobor2 and SecondStar
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22 as of yesterday - going out today so spending will happen!'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £510/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £510/£6700
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'1 -
Claiming another NSD today - no plans to spend for the rest of the month either, but not counting my chickens...#21 Save £12k in 2025 £25577.35/£200001
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Not today - haircut was planned but the treat baby beers for Mr KK and flowers for me from Leedl weren’t! 😉
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 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.1 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...February targetsAuntieLBalancinglife
basketcase
Baxtersmum
beanielou 19
bloomfelt
blubella
BudgetingBelinda
cathybird 15
Caeraugirl
Couldsavemore
craftingmad
Crazycatlady2
Doily94
Dorothy707
Flying By
FrugalMum3
GeorgianaCavendish
Hawley Gryphon
Honeysucklelou2
HotDog2020
ilovetea
KajiKita
keggie
laura lau
leftatthetrafficlights
lianne1984
LittleMissDetermined
Makingabobor2
Money Choices
Mrs Cautious
outoftheviciouscircle
PurplePhoenix62
QueenJess
Rupacomp
Saver-upper
SecondStar
short bird
SpruceDog
TheScarletPixie
Thevalueofless
try harder Newcomers welcome! 2
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