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Joyous January's No-Spend Days Challenge!

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  • beanielou
    beanielou Posts: 95,593 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    one NSD for me yesterday and one more NSD for today!
    Debt free journey started 30/08/2023:

    CC1 - 5,151.92 now 5,335.15
    CC3 - 4,166.15 now 5,345.28
    CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
    Current outstanding: 16,397.67
    Debt free by Jul 2027.

    Challenges:
    NSD Apr 2025 - 7/20
    NST Apr 2025 - 
    #31 1p savings 2025 £32.40/£667.95
    2025 Fashion on the ration - Coupons remaining 43.5/66
  • NSD Monday please 
  • 7/16 aim 16/31 NS victory today, I have been lightly thinking in the background what could I spend money on, well what food could I buy, but have persuaded myself to not think on this too much and in fact where I needed soemthing sweet I didn't really and had a yoghurt (already purchased) and felt just fine.
  • KajiKita
    KajiKita Posts: 7,684 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD for me today 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • cathybird
    cathybird Posts: 15,651 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 15 January 2024 at 11:24PM
    January

    Off to a start = image
    5 days = image
    10 days = image

    15 days = image
    20 days = image
    Target reached = image
    Target beaten = image 

    January targets

    AuntieL 9/12  image  image 

    Balancinglife 9/18  image  image 

    basketcase 1/12  image 

    Baxtersmum 12

    beanielou 13/19  image  image  image 

    bloomfelt 10

    blubella 12

    BudgetingBelinda 9/15  image  image 

    cathybird 10/15  image  image  image 

    Caeraugirl 9/20  image  image 

    Couldsavemore 8/15  image  image 

    craftingmad 16

    Crazycatlady2 12/20  image  image  image 

    Doily94 4/16  image  image 

    Dorothy707 6/12  image  image 

    Flying By 6/10  image 

    FrugalMum3 1/26  image 

    GeorgianaCavendish 6/15  image  image 

    Hawley Gryphon 4/10  image 

    Honeysucklelou2 3/10  image 

    HotDog2020 7/16  image  image 

    ilovetea 13/20  image  image  image 

    KajiKita 9/15  image  image 

    keggie 9/12  image  image 

    laura lau 10/16  image  image  image 

    leftatthetrafficlights 12/24  image  image  image 

    lianne1984 5/10  image  image 

    LittleMissDetermined 11/22  image  image  image 

    Makingabobor2 6/15  image  image 

    Money Choices 10

    MrsCautious 13/20  image  image  image 

    outoftheviciouscircle 11/15  image  image  image 

    PurplePhoenix62 7/10  image  image 

    QueenJess

    Rupacomp 4/12  image 

    Saver-upper

    short bird 9/20  image  image 

    SpruceDog 12

    TheScarletPixie 2/20  image 

    Thevalueofless 7/10  image  image 

    try harder 20

    Newcomers welcome :)

  • NSDs on Friday & Sunday so I'm on 5 / 10 now
    February NSDs: 0 / 10
    February PADs:  2 / 29
    February Groceries Challenge: £59 / £250
    February Make £5 a Day: £255 / £145
    Current Debt: £3159  | CC £1490 | N £571 | C £725 | E £373
    Weight Loss Challenge 2024: 0 lbs

  • ilovetea
    ilovetea Posts: 1,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    NSD   yesterday and today.
    13/15.
       
         ilovetea  xx



    Make £2024 in 2024 £1161.08
    Declutter 2024 things in 2024 1522/2024.
    NSD's in August 11/20
  • cathybird said:
    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. 
    hi there bloomfelt, welcome back to our lovely thread! :):)
    Thanks cathybird. 
    Unfortunately I haven't done well so far since rejoining. there has been something small and silly every day. But hoping to change that tomorrow. :-) 
    January NSD8/10
  • Another one for me - now #9 of 20.
    #21 Save £12k in 2025 £16977.35/£20000

    August NSD Challenge 3/10
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