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Joyous January's No-Spend Days Challenge!
Comments
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Early call for day 9.‘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.1 -
1 today so 7/10 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 -
January Off to a start =5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 9/12Balancinglife 8/18basketcase 1/12Baxtersmum 12beanielou 12/19bloomfelt 10blubella 12BudgetingBelinda 9/15cathybird 10/15Caeraugirl 8/20Couldsavemore 8/15craftingmad 16Crazycatlady2 11/20Doily94 4/16Dorothy707 6/12Flying By 6/10FrugalMum3 1/26GeorgianaCavendish 6/15Hawley Gryphon 4/10Honeysucklelou2 3/10HotDog2020 6/16ilovetea 11/20KajiKita 8/15keggie 7/12laura lau 8/16leftatthetrafficlights 12/24lianne1984 3/10LittleMissDetermined 10/22Makingabobor2 6/15Money Choices 10MrsCautious 12/20outoftheviciouscircle 11/15PurplePhoenix62 7/10QueenJessRupacomp 4/12Saver-uppershort bird 9/20SpruceDog 12TheScarletPixie 2/20Thevalueofless 7/10try harder 20Newcomers welcome
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Ok so far this month I've had quite a few days when there's been hardly any spend, but it's not NO spend, so I've not included them. Therefore the only days where there's no spend whatsoever is currently 4.
3rd = NSD
5th = NSD
9th = NSD
11th = NSD
Do something today that your future self will thank you for.
2024 1p Challenge #56 = £30.001 -
Saturday and Sunday both no spend days for me so 7 out of my target of 10.
TVOL
7/101 -
NSD SUNDAY should be a few more to add as need nothing this week that I can think of1
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NSD Sunday here 😊
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 56 books of target 52 in 2025, as @ 4th October
Produce tracker: £417 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 -
One for me today pleaseLife 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 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £31071
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An NSD for me today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
Up to 12 today 😁'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
JSF: £0/£2000
'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
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