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Joyous January's No-Spend Days Challenge!
Comments
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NSD Tuesday please1
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I was planning a spend day today as had netball subs to pay and a couple of groceries that I can't get in my weekly online shop, but by the time I got to work today I had a completely flat tyre
so unplanned extra spends on a new one.
Not planning any more spending until Friday.
#21 Save £12k in 2025 £19277.35/£200001 -
NSD today 😊
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 -
Oh calling it early today. I'm not going anywhere tonight..
Also NSD's for Monday and Sunday.
Oh into double figures
NSD 11/15
Hoping for a couple more this week# 36 1p challenge 2024 - £536.60
#13 POYD by Christmas 24 £2875 / 81381 -
10/15
Very pleased as _most_ of other days (aside from grocery spend) are v low spend days and nothing but what is needed. Making a difference every NSD that I get- those overpayments happening!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 -
8/16 today please aim 16/31. Thanks. Tough today, really wanted something sweet, I had porridge and sugar instead already in to avoid spending and buying something much worse.1
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Was determined to have a NSD today but then chocolate called again...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 lbs1 -
Did a spend yesterday, but clear today so on 13 now 😁'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:
Nov GC: £0/£350
'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 -
Another NSD today. 14/20.
Was planning on going out but snow put a stop to that. Friend posted my e-bay sales
Did Tesc@ ready for delivery tomorrow. Was good . No treats only what was needed.
ilovetea xxMake £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/201 -
January Off to a start =5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 9/12
Balancinglife 9/18
basketcase 1/12
Baxtersmum 12beanielou 14/19
bloomfelt 10blubella 12BudgetingBelinda 10/15
cathybird 12/15
Caeraugirl 9/20
Couldsavemore 11/15
craftingmad 16Crazycatlady2 13/20
Doily94 4/16
Dorothy707 6/12
Flying By 6/10
FrugalMum3 1/26
GeorgianaCavendish 6/15
Hawley Gryphon 4/10
Honeysucklelou2 3/10
HotDog2020 8/16
ilovetea 14/20
KajiKita 10/15
keggie 9/12
laura lau 10/16
leftatthetrafficlights 13/24
lianne1984 5/10
LittleMissDetermined 11/22
Makingabobor2 6/15
Money Choices 7/10
MrsCautious 14/20
outoftheviciouscircle 11/15
PurplePhoenix62 8/10
QueenJessRupacomp 4/12
Saver-upperSecondStar 14/TF
short bird 9/20
SpruceDog 12TheScarletPixie 2/20
Thevalueofless 8/10
try harder 20Newcomers welcome
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