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Joyous January's No-Spend Days Challenge!
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Well I’m closing out the month with a total of 26 NSDs for January! Looking forward to the Feb thread‘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 -
cathybird said:Not one today, have bought some compost and firewood, so finishing Jan on 23, which I am happy with. Looking forward to Feb thread nowI 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 -
Hello everyone
I’m reporting 3 more NSDs which means I got my total of 10 NSD this month. These were 16,18 and 26 Jan.
Moneychoices3-6 months Emergency Fund challenge No 81 £700/£2,400. NSD challenge 25 Jan 9/10 NSDs, Feb 10/10 NSDs, March 10/10 NSDs, April 9/10 NSDs, May 0/0 NSDs, June 5/12 NSDS.
Grocery Challenge 25 Jan £20/50, Feb £60/£100, March £229.48/£300, April £173.81/£120, May £0/£0, June £88.24/£150.001 -
Two more to add for yesterday and today please.
This challeng has really made me think about what I spend and I have strangely enjoyed not buying things that wouldn't necessarily have cost much but things I just don't need.
Over to February now with a target of 20 NSD.
TVOL2 -
January Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 17/12Balancinglife 17/18basketcase 1/12Baxtersmum 12beanielou 26/19bloomfelt 3/10blubella 15/12BudgetingBelinda 12/15cathybird 23/15Caeraugirl 19/20Couldsavemore 21/15craftingmad 16Crazycatlady2 18/20Doily94 4/16Dorothy707 6/12Flying By 15/10FrugalMum3 1/26GeorgianaCavendish 16/15Hawley Gryphon 4/10Honeysucklelou2 5/10HotDog2020 11/16ilovetea 25/20KajiKita 20/15keggie 16/12laura lau 17/16leftatthetrafficlights 22/24lianne1984 10/10LittleMissDetermined 20/22Makingabobor2 13/15Money Choices 10/10MrsCautious 23/20outoftheviciouscircle 15/15PurplePhoenix62 10/10QueenJessRupacomp 9/12Saver-upperSecondStar 26/27short bird 20/20SpruceDog 12TheScarletPixie 2/20Thevalueofless 20/10try harder 20Newcomers welcome
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Actually managed another NSD today so finished with 16/12.
This helped to keep my focus and encouraged me to not buy snacks at school or crisps when I filled up with petrol.
Win win all round.GC 2024 £1445.91/£3000
GC July 24 £0/£250
#16 XMAS 2024 £300:£366
Surveys £32.052 -
Hi
I squeezed in 2 more giving me a total of 21..
# 36 1p challenge 2024 - £536.60
#13 POYD by Christmas 24 £2875 / 81382 -
NSD for me to end the month! This is my first time on this challenge and it's been so amazing I have joined up for February. Thank you so much @cathybird for all your hard work keeping us all accountable! xx2
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I forgot to post yesterday!! One yesterday and today. I got 20!!!!! 🤩🎉🥳❤️😊💪
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.0
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