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Joyous January's No-Spend Days Challenge!
Comments
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Oh darn it! Fell off the wagon today
Will be back tomorrow! 1 -
Catching up with myself (been a tough week) ….
Day before yesterday = NSD
Yesterday = not an NSD - car repairs
Today = NSD! 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 61 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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 -
January Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 8/12
Balancinglife 8/18
basketcase 1/12
Baxtersmum 12beanielou 10/19

bloomfelt 10blubella 12BudgetingBelinda 8/15
cathybird 8/15
Caeraugirl 7/20
Couldsavemore 5/15
craftingmad 16Crazycatlady2 8/20
Doily94 4/16
Dorothy707 6/12
Flying By 4/10
FrugalMum3 1/26
GeorgianaCavendish 6/15
Hawley Gryphon 10Honeysucklelou2 3/10
HotDog2020 5/16
ilovetea 9/20

KajiKita 6/15
keggie 6/12
laura lau 7/16
leftatthetrafficlights 3/24
lianne1984 3/10
LittleMissDetermined 8/22
Makingabobor2 6/15
Money Choices 10MrsCautious 9/20
outoftheviciouscircle 6/15
PurplePhoenix62 6/10
QueenJessRupacomp 9/12
Saver-uppershort bird 6/20
SpruceDog 12TheScarletPixie 2/20
Thevalueofless 5/10
try harder 20Newcomers welcome
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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 -
NSD number 10 today. That's a good thing about not going out. Can't spend anything

Might have a spend day tomorrow.
ilovetea xxMake £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/201 -
Hi @cathybird Thankyou for the thread. I'm a bit late to the party but after being AWOL for quite some time i really need to find some focus again and I know that the challenges give me some accountability. I'd like to try for 10 days between now and the end of the month not including bill direct debits, fuel and shopping that's within my grocery budget. Unfortunately I met a colleague for coffee today and it was my turn to pay so still on 0 for a minute.January NSD8/101
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Managed a NSD today - all thanks to the ASDA petrol station shop being shut. Had to pay at pump for my petrol and hence couldn’t buy any of the crisps I was craving. Not counting petrol as a spend as can’t get to work without it!
#16 6/12GC 2024 £1445.91/£3000
GC July 24 £0/£250
#16 XMAS 2024 £300:£366
Surveys £32.051 -
hi there bloomfelt, welcome back to our lovely thread!bloomfelt said:Hi @cathybird Thankyou for the thread. I'm a bit late to the party but after being AWOL for quite some time i really need to find some focus again and I know that the challenges give me some accountability. I'd like to try for 10 days between now and the end of the month not including bill direct debits, fuel and shopping that's within my grocery budget. Unfortunately I met a colleague for coffee today and it was my turn to pay so still on 0 for a minute.
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Well done PurplePhoenix62, Dorothy707, short bird, Caeraugirl, Thevalueofless, MrsCautious, HotDog2020, Makingabobor2, KajiKita, beanie, ilovetea and keggie


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