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Joyous January's No-Spend Days Challenge!

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Comments

  • Makingabobor2
    Makingabobor2 Posts: 4,331 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Forgot to declare yesterday. up to 7/15 now
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,304....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £650/£3000
    .

    Studies/surveys  October £21.15

    Decluttering items 1202/    2025
    Books read    18
    Jigsaws done  11

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • AuntieL
    AuntieL Posts: 413 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    Another on for me today 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    October 2025 NSD Challenge 1/18

    MFW 2025 #45
    Jan 2016 Mortgage = £149,895
    Current outstanding = £94,306.78
    2024 Overpayment = £675.66
    2025 Overpayment = £645/£700
  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    one NSD for me 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
  • Thevalueofless
    Thevalueofless Posts: 74 Forumite
    10 Posts First Anniversary Name Dropper
    Another NSD for me today so reached target and got my little piggy bank. Let's see how many over it I can do...

    TVOL
    10/10
  • Caeraugirl
    Caeraugirl Posts: 599 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Another NSD for me, bringing me up to 10. Have a couple of spendy days coming up tomorrow and Saturday, but still hoping to make my target of 20 for the month.
    #21 Save £12k in 2025 £19277.35/£20000


  • Makingabobor2
    Makingabobor2 Posts: 4,331 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    another one for me today, making 8 in total
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,304....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £650/£3000
    .

    Studies/surveys  October £21.15

    Decluttering items 1202/    2025
    Books read    18
    Jigsaws done  11

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • SecondStar
    SecondStar Posts: 659 Forumite
    500 Posts Third Anniversary Name Dropper
    Another NSD today, which makes 16/18 so far.

    My goal is to make it to the end of the month with maybe only 1 extra day with a spend - I may get in some cotton sewing threads, so that I can continue with my stitching projects.

    This is not to say that this hasn’t been an expensive month! I am in the red already due to extra pet medications needed, a really stupid speeding fine, extra additional therapies for my dog, and extra top ups of gas and electric. It’s been a grim January.
    ‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’

    Frugal living in 2024.
    Frugal living in 2025.

    261 No Spend Days in 2024!

    3-month Emergency Fund: £3,500 / £3,500 - DONE!
    1k Pet Emergency Fund - £1,000 / £1,000 - DONE!

    Nationwide 1 year 6.5% Savings - £1,000 / £2,200
  • KajiKita
    KajiKita Posts: 8,306 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    One for yesterday and one today.

    KK
    As 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. 
  • short_bird
    short_bird Posts: 4,064 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Unexpected day 12 as the card machine at the chiropractor's wasn't working... no, they didn't ask for cash (!) 
    ‘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.
  • HotDog2020
    HotDog2020 Posts: 593 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Staying on 8/31 Boo Hoo, early morning game, spent way more then I should have. 
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