Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%
We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Joyous January's No-Spend Days Challenge!
Options
Comments
-
Won’t be one today, put £5 in a collection for someone who is leaving at very short notice at work. I only put in for people I get along with, and we have a laugh when we work together so do not begrudge that spend in the slightest
Starting 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 -
Next couple of days will not be NSD for me but that’s ok, I’m doing me some low spend days and enjoying the weekend still. Back to the NSD Sun or Mon-Weds 🤞🏼 best of luck all 💪🏼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/p11 -
Sorry I've not updated for a few days, I've had a lot going on but I am now on day 11.1
-
I’m on number 10 today. Working from home and no plans to go anywhere near a shop.1
-
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 -
It's one for me today please
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 -
Up to 10 now 😁DNF: £708.92/£1000
JSF: £708.58/£1000
Winter season grocery budget: £600.85/£900
Weight loss challenge 2024: 11/24lbs
1st quarter start:9st 13.1lb
2nd quarter start:9st 9.2 lb
3rd quarter start: 9st 6.8 lb
4th quarter start: 9st 10.2 lb
End weight: 8st 13lb
'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 -
January Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 8/12Balancinglife 8/18basketcase 1/12Baxtersmum 12beanielou 11/19bloomfelt 10blubella 12BudgetingBelinda 8/15cathybird 8/15Caeraugirl 7/20Couldsavemore 5/15craftingmad 16Crazycatlady2 8/20Doily94 4/16Dorothy707 6/12Flying By 5/10FrugalMum3 1/26GeorgianaCavendish 6/15Hawley Gryphon 10Honeysucklelou2 3/10HotDog2020 5/16ilovetea 10/20KajiKita 6/15keggie 6/12laura lau 7/16leftatthetrafficlights 10/24lianne1984 3/10LittleMissDetermined 9/22Makingabobor2 6/15Money Choices 10MrsCautious 10/20outoftheviciouscircle 11/15PurplePhoenix62 6/10QueenJessRupacomp 9/12Saver-uppershort bird 6/20SpruceDog 12TheScarletPixie 2/20Thevalueofless 5/10try harder 20Newcomers welcome
0 -
Not one for me today, foiled by popping a £1.50 calendar in with the grocery shopping. Still, very pleased that I spent a good five minutes debating with myself over it but we do need one to note down appointments as we are both getting quite forgetful. Other than that it was only the grocery shopping and stuck to the list apart from two items.
TVOL
5/101 -
NSD 5/10 today!1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards