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Joyous January's No-Spend Days Challenge!
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Thevalueofless said:Third day in a row of it not being a NSD. Friday was weekly grocery shopping, Saturday sent a parcel so postage costs and today trip to Aldi for oat and soya milk. OH usually pays for this but somehow he managed to bring his wallet but forget his card! Fortunately I had mine with me or it would have mad for an embarrassing moment at the till.
Tomorrow will also be spendy as meeting friend for lunch and it's my turn to pay. Taking comfort in the knowledge that every spend day so far has been for a need not a want or fancy and I've bought groceries according to our meal plan or basics like the milk.
TVOL
3/10 NSD0 -
January Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 6/12Balancinglife 4/18basketcase 1/12Baxtersmum 12beanielou 7/19blubella 12BudgetingBelinda 5/15cathybird 6/15Caeraugirl 5/20Couldsavemore 5/15craftingmad 16Crazycatlady2 6/20Doily94 4/16Dorothy707 5/12Flying By 2/10FrugalMum3 1/26GeorgianaCavendish 4/15Hawley Gryphon 10Honeysucklelou2 1/10HotDog2020 4/16ilovetea 6/20KajiKita 3/15keggie 3/12laura lau 5/16leftatthetrafficlights 3/24lianne1984 3/10LittleMissDetermined 5/22Makingabobor2 3/15Money Choices 10MrsCautious 6/20outoftheviciouscircle 6/15PurplePhoenix62 2/10QueenJessRupacomp 3/12Saver-uppershort bird 4/20SpruceDog 12TheScarletPixie 2/20Thevalueofless 3/10try harder 20Newcomers welcome
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Another NSD. Makes 6 now :-)
ilovetea. xx
Make £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/201 -
Well done LittleMissDetermined, KajiKita, MrsCautious, beanie, BudgetingBelinda, Caeraugirl, PurplePhoenix62, Crazycatlady2, outoftheviciouscircle, HotDog2020, Rupacomp and short bird2
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Managed not to spend anything over the weekend so my count for January is at 5. Will be meeting up with friends today so today will be a spend day, so used that as motivation to say no to costa over the weekend.January NSD 7/12
Debtfree 0/£30001 -
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 -
cathybird said:Thevalueofless said:Third day in a row of it not being a NSD. Friday was weekly grocery shopping, Saturday sent a parcel so postage costs and today trip to Aldi for oat and soya milk. OH usually pays for this but somehow he managed to bring his wallet but forget his card! Fortunately I had mine with me or it would have mad for an embarrassing moment at the till.
Tomorrow will also be spendy as meeting friend for lunch and it's my turn to pay. Taking comfort in the knowledge that every spend day so far has been for a need not a want or fancy and I've bought groceries according to our meal plan or basics like the milk.
TVOL
3/10 NSD
TVOL
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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 -
Won't be one today so still at 3 xStarting Debt Total: £10156.43/£9723.43 Current Total
Total Paid to Date: 4.26%
SPC 17 #040 - £28.93
House Pot £1000.55/£2500
Car Insurance Pot £126.70/£300
Christmas 2024 Pot £96.57
Emergency Fund £25.00/500.001 -
Another NSD for me todayDebt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001
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