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Joyous January's No-Spend Days Challenge!
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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.1 -
One for me today.#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 2/101 -
NSD Sunday here 😊
KKAs 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.1 -
Can I please be 9/21 aim 16/31, as I have not spent today, however MD bought me lunch out and I offered to buy the cakes, and she said she would rather we didn't I said your paying for lunch and I don't need to buy the cakes deal, another NS day under me belt! and no cake!2
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Thursday ( 18th) and today have been NSDs bringing my total to 5/10.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 171 -
11/15
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my budgeted items like bills, fuel and school dinners are not included in my NSD. I do include groceries as I’m needing to massively reduce my grocery spend. More NSD ftw next month 🤞🏼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/p12 -
January Off to a start =5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 11/12
Balancinglife 12/18
basketcase 1/12
Baxtersmum 12beanielou 19/19
bloomfelt 3/10
blubella 12BudgetingBelinda 11/15
cathybird 15/15
Caeraugirl 12/20
Couldsavemore 14/15
craftingmad 16Crazycatlady2 16/20
Doily94 4/16
Dorothy707 6/12
Flying By 9/10
FrugalMum3 1/26
GeorgianaCavendish 11/15
Hawley Gryphon 4/10
Honeysucklelou2 5/10
HotDog2020 9/16
ilovetea 17/20
KajiKita 14/15
keggie 11/12
laura lau 12/16
leftatthetrafficlights 13/24
lianne1984 6/10
LittleMissDetermined 15/22
Makingabobor2 8/15
Money Choices 7/10
MrsCautious 19/20
outoftheviciouscircle 15/15
PurplePhoenix62 10/10
QueenJessRupacomp 6/12
Saver-upperSecondStar 18/TF
short bird 14/20
SpruceDog 12TheScarletPixie 2/20
Thevalueofless 12/10
try harder 20Newcomers welcome
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Somehow I have managed an NSD with a lovely friend buying cocktails and meal before seeing the Strictly tour after I bought tickets for her birthday back in November 😱 that’s number 19 🎉
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NSD today
12/18
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Oops, no NSD today as I had to get petrol for the week ahead. Would really like to score a few more NSD's before the end of this seemingly endless month!
Well done to those who are meeting and exceeding their targets, and thanks to cathybird for organising this great challenge.1
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