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Joyous January's No-Spend Days Challenge!
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One more today, making 10/15.
I did have to spend a bit, but it was planned for groceries from budget, so don't count thatMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
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Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Up to 23 out of a hoped for 27.‘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 - £600 / £2,4002 -
Not one for me, paid an insurance bill, bought some bulbs for the garden, ordered some food, bought a book!0
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January Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 14/12Balancinglife 14/18basketcase 1/12Baxtersmum 12beanielou 22/19bloomfelt 3/10blubella 12BudgetingBelinda 12/15cathybird 19/15Caeraugirl 17/20Couldsavemore 18/15craftingmad 16Crazycatlady2 18/20Doily94 4/16Dorothy707 6/12Flying By 11/10FrugalMum3 1/26GeorgianaCavendish 14/15Hawley Gryphon 4/10Honeysucklelou2 5/10HotDog2020 10/16ilovetea 22/20KajiKita 17/15keggie 14/12laura lau 15/16leftatthetrafficlights 22/24lianne1984 10/10LittleMissDetermined 19/22Makingabobor2 10/15Money Choices 7/10MrsCautious 21/20outoftheviciouscircle 15/15PurplePhoenix62 10/10QueenJessRupacomp 6/12Saver-upperSecondStar 23/27short bird 18/20SpruceDog 12TheScarletPixie 2/20Thevalueofless 15/10try harder 20Newcomers welcome
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I've had a spend day. Had hair washed and blow dried. Cost £8.
While there friend gave me a piece of chocolate Swiss roll :-)
ilovetea xxMake £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/201 -
Well done LittleMissDetermined, laura lau, GeorgianaCavendish, short bird, Makingabobor2 and SecondStar1
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22 as of yesterday - going out today so spending will happen!DNF: £708.92/£1000
JSF: £708.58/£1000
Winter season grocery budget: £600.85/£900
Weight loss challenge 2024: 11/24lbs
1st quarter start:9st 13.1lb
2nd quarter start:9st 9.2 lb
3rd quarter start: 9st 6.8 lb
4th quarter start: 9st 10.2 lb
End weight: 8st 13lb
'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 -
Claiming another NSD today - no plans to spend for the rest of the month either, but not counting my chickens...#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 2/101 -
Not today - haircut was planned but the treat baby beers for Mr KK and flowers for me from Leedl weren’t! 😉
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 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...February targetsAuntieLBalancinglife
basketcase
Baxtersmum
beanielou 19
bloomfelt
blubella
BudgetingBelinda
cathybird 15
Caeraugirl
Couldsavemore
craftingmad
Crazycatlady2
Doily94
Dorothy707
Flying By
FrugalMum3
GeorgianaCavendish
Hawley Gryphon
Honeysucklelou2
HotDog2020
ilovetea
KajiKita
keggie
laura lau
leftatthetrafficlights
lianne1984
LittleMissDetermined
Makingabobor2
Money Choices
Mrs Cautious
outoftheviciouscircle
PurplePhoenix62
QueenJess
Rupacomp
Saver-upper
SecondStar
short bird
SpruceDog
TheScarletPixie
Thevalueofless
try harderNewcomers welcome!
2
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