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Joyous January's No-Spend Days Challenge!

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  • Not sure if I said nsd Friday? Won't be one today as really want a takeaway curry 
  • I'm now on Day 15
    Total debt when my journey began in December 2022- £66,133.42
    Current debt May 2024- £40,064.57
    Repaid 39.42%

    My Debt Free Wannabe Diary
    https://forums.moneysavingexpert.com/discussion/6411146/the-final-bite-of-the-cherry-journey-to-clear-66k#latest

  • beanielou
    beanielou Posts: 95,562 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.
  • Yesterday was food shop delivery day so tied in a purchase of mattress topper for DS1 - the mattress in his Uni house isn't good, and his one at home is starting to sag too, so it'll get used beyond this Uni year. Today I had the hairdresser so popped into L*dl on the way home for some bits that are considerably cheaper there, but not planning any more spends until Friday - need to have a good few more NSDs under my belt if I'm going to reach my target for the month!
    #21 Save £12k in 2025 £16977.35/£20000

    August NSD Challenge 3/10
  • cathybird
    cathybird Posts: 15,648 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not sure if I said nsd Friday? Won't be one today as really want a takeaway curry 
    Indeed you did! You're on 16 NSDs :):)
  • cathybird
    cathybird Posts: 15,648 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 20 January 2024 at 10:32PM
    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 11/12  image  image  image 

    Balancinglife 11/18  image  image  image 

    basketcase 1/12  image 

    Baxtersmum 12

    beanielou 18/19  image  image  image  image

    bloomfelt 3/10  image 

    blubella 12

    BudgetingBelinda 10/15  image  image  image 

    cathybird 14/15  image  image  image 

    Caeraugirl 11/20  image  image  image 

    Couldsavemore 11/15  image  image  image 

    craftingmad 16

    Crazycatlady2 16/20  image  image  image  image

    Doily94 4/16  image  image 

    Dorothy707 6/12  image  image 

    Flying By 8/10  image 

    FrugalMum3 1/26  image 

    GeorgianaCavendish 11/15  image  image  image 

    Hawley Gryphon 4/10  image 

    Honeysucklelou2 3/10  image 

    HotDog2020 8/16  image  image 

    ilovetea 16/20  image  image  image  image

    KajiKita 13/15  image  image  image 

    keggie 10/12  image  image  image 

    laura lau 12/16  image  image  image 

    leftatthetrafficlights 13/24  image  image  image 

    lianne1984 6/10  image  image 

    LittleMissDetermined 14/22  image  image  image 

    Makingabobor2 8/15  image  image 

    Money Choices 7/10  image  image 

    MrsCautious 18/20  image  image  image  image

    outoftheviciouscircle 15/15  image  image  image  image  image

    PurplePhoenix62 10/10  image  image  image  image

    QueenJess

    Rupacomp 5/12  image  image 

    Saver-upper

    SecondStar 16/TF image  image  image  image

    short bird 13/20  image  image  image 

    SpruceDog 12

    TheScarletPixie 2/20  image 

    Thevalueofless 12/10  image  image  image  image  image 

    try harder 20

    Newcomers welcome :)

  • cathybird
    cathybird Posts: 15,648 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 20 January 2024 at 5:19PM
    Not one for me today, paid the gardeners for some tree work. :):)
  • Adding two more for Friday and Saturday please. Did do grocery shopping Friday but for food and cleaning items only and stuck to my list. Was tempted by a lovely white blouse in SM which was just my style but managed to resist.

    Thank you @cathybird for keeping track of us all.

    TVOL
    12/10
  • KajiKita
    KajiKita Posts: 7,673 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD today, unusual for a Saturday but haven’t been anywhere 😊

    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. 
  • Thanks Cathy bird, as I'm spending today I ordered DD her provisional driving licence 😱
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