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Joyous January's No-Spend Days Challenge!
Comments
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Nsd yesterday, unlikely to have one today though as out and about. But let's see!Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
Also I think my total is showing wrong... Think I'm at 4 rather than 9 (I wish - this month is proving way too costly!)Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
NSD Saturday 😀0
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9/15
After yesterday’s disastrous shopping another NSD for me to try and get back in the game.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/p10 -
Day 8, although it was a close run thing!‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.0 -
I am staying on 6/13 aim 16/31.0
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Not one for me, had a lovely lunch out with friends
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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 11/19

bloomfelt 10blubella 12BudgetingBelinda 9/15
cathybird 9/15
Caeraugirl 7/20
Couldsavemore 5/15
craftingmad 16Crazycatlady2 10/20

Doily94 4/16
Dorothy707 6/12
Flying By 5/10
FrugalMum3 1/26
GeorgianaCavendish 6/15
Hawley Gryphon 10Honeysucklelou2 3/10
HotDog2020 6/16
ilovetea 10/20

KajiKita 7/15
keggie 7/12
laura lau 8/16
leftatthetrafficlights 10/24

lianne1984 3/10
LittleMissDetermined 9/22
Makingabobor2 6/15
Money Choices 10MrsCautious 11/20

outoftheviciouscircle 11/15

PurplePhoenix62 6/10
QueenJessRupacomp 4/12
Saver-uppershort bird 8/20
SpruceDog 12TheScarletPixie 2/20
Thevalueofless 5/10
try harder 20Newcomers welcome
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Not today - had lunch with a fiend in our favourite garden centre - aka the Great Temptation! (I didn’t spend a lot though 😊).
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 62 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
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