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Joyous January's No-Spend Days Challenge!
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NSD number 5 today.
Needed a birthday card but found one in my stash :-)
Hoping for more nsd in the next few days.
ilovetea. xx
Make £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/201 -
NS Day 3 for me please I will now update signature. Thank you.1
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January Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 5/12Balancinglife 4/18basketcase 1/12Baxtersmum 12beanielou 6/19blubella 12BudgetingBelinda 5/15cathybird 5/15Caeraugirl 5/20Couldsavemore 5/15craftingmad 16Crazycatlady2 5/20Doily94 4/16Dorothy707 2/12Flying By 2/10FrugalMum3 1/26GeorgianaCavendish 4/15Hawley Gryphon 10Honeysucklelou2 1/10HotDog2020 3/16ilovetea 5/20KajiKita 3/15keggie 3/12laura lau 5/16leftatthetrafficlights 3/24lianne1984 3/10LittleMissDetermined 5/22Makingabobor2 3/15Money Choices 10MrsCautious 6/20outoftheviciouscircle 5/15PurplePhoenix62 2/10QueenJessRupacomp 2/12Saver-uppershort bird 3/20SpruceDog 12TheScarletPixie 2/20Thevalueofless 3/10try harder 20Newcomers welcome
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Well done beanie, short bird, Caeraugirl, AuntieL, BudgetingBelinda, MrsCautious, GeorgianaCavendish, lianne1984, Crazycatlady2, outoftheviciouscircle, Rupacomp, Couldsavemore, Flying By, ilovetea and HotDog20202
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2 more for me please, yesterday and today.LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711
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Pitching in early for an NSD today!KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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.1 -
NSD 6 today. Boom.1
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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.1 -
One today- I spent a voucher I had on a couple of bits so I’m not counting that as it wasn’t my actual money- is that an acceptable loophole?! I’m taking it!Emergency Fund: 1000/2000August 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
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p12 -
I'm claiming another NSD today, which will be # 5. Dog food delivery coming tomorrow, but hope to then be spend-free again til groceries arrive on Friday.
I can't believe how often I'd buy random stuff every day before starting this challenge - it's really making me think about (and curb) my spending!
#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 3/103
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