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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 that
    Making 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
    .
    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-up


  • 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 / £2,400
  • cathybird
    cathybird Posts: 15,647 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not one for me, paid an insurance bill, bought some bulbs for the garden, ordered some food, bought a book! :)
  • cathybird
    cathybird Posts: 15,647 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 27 January 2024 at 5:31PM
    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 14/12  image  image  image  image  image 

    Balancinglife 14/18  image  image  image 

    basketcase 1/12  image 

    Baxtersmum 12

    beanielou 22/19  image  image  image  image  image  image  image 

    bloomfelt 3/10  image 

    blubella 12

    BudgetingBelinda 12/15  image  image  image 

    cathybird 19/15  image  image  image  image  image  image

    Caeraugirl 17/20  image  image  image  image 

    Couldsavemore 18/15  image  image  image  image  image  image

    craftingmad 16

    Crazycatlady2 18/20  image  image  image  image

    Doily94 4/16  image  image 

    Dorothy707 6/12  image  image 

    Flying By 11/10  image  image  image  image  image 

    FrugalMum3 1/26  image 

    GeorgianaCavendish 14/15  image  image  image 

    Hawley Gryphon 4/10  image 

    Honeysucklelou2 5/10  image  image 

    HotDog2020 10/16  image  image  image 

    ilovetea 22/20  image  image  image  image  image  image  image 

    KajiKita 17/15  image  image  image  image  image  image 

    keggie 14/12  image  image  image  image  image 

    laura lau 15/16  image  image  image  image

    leftatthetrafficlights 22/24  image  image  image  image  image 

    lianne1984 10/10  image  image  image  image 

    LittleMissDetermined 19/22  image  image  image  image

    Makingabobor2 10/15  image  image  image

    Money Choices 7/10  image  image 

    MrsCautious 21/20  image  image  image  image  image  image  image

    outoftheviciouscircle 15/15  image  image  image  image  image

    PurplePhoenix62 10/10  image  image  image  image

    QueenJess

    Rupacomp 6/12  image  image 

    Saver-upper

    SecondStar 23/27 image  image  image  image  image 

    short bird 18/20  image  image  image  image

    SpruceDog 12

    TheScarletPixie 2/20  image 

    Thevalueofless 15/10  image  image  image  image  image  image 

    try harder 20

    Newcomers welcome :)

  • ilovetea
    ilovetea Posts: 1,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 xx
    Make £2024 in 2024 £1161.08
    Declutter 2024 things in 2024 1522/2024.
    NSD's in August 11/20
  • cathybird
    cathybird Posts: 15,647 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done LittleMissDetermined, laura lau, GeorgianaCavendish, short bird, Makingabobor2 and SecondStar imageimageimage
  • 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'

  • Caeraugirl
    Caeraugirl Posts: 590 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    edited 27 January 2024 at 12:45PM
    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 2/10
  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Not today - haircut was planned but the treat baby beers for Mr KK and flowers for me from Leedl weren’t! 😉

    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. 
  • cathybird
    cathybird Posts: 15,647 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 27 January 2024 at 5:56PM
    image

    Yes there's a shiny new month just round the corner, any thoughts on targets? ... image

    February targets

    AuntieL
    Balancinglife
    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 harder


    :):) Newcomers welcome! :):)

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