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Joyous January's No-Spend Days Challenge!

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Comments

  • AuntieL
    AuntieL Posts: 430 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    NSD #2 for me today 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    October 2025 NSD Challenge 10/18

    MFW 2025 #45
    Jan 2016 Mortgage = £149,895
    Current outstanding = £94,306.78
    2024 Overpayment = £675.66
    2025 Overpayment = £645/£700
  • KajiKita
    KajiKita Posts: 8,575 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Not one today.

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 61 books of target 52 in 2025, as @ 4th November 
    Produce tracker: £426 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. 
  • Couldsavemore
    Couldsavemore Posts: 495 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    Day 2/15.

    Quiet day at home for me.
    # 36 1p challenge 2024 - £536.60

    #13 POYD by Christmas 24  £2875 / 8138
  • PurplePhoenix62
    PurplePhoenix62 Posts: 101 Forumite
    10 Posts Name Dropper
    Not one for me today - fuel, food and a Royal Mail Redirect to pay for  :)
    Starting Debt Total: £10156.43/£9723.43 Current Total
    Total Paid to Date: 4.26%

    SPC 17 #040 - £28.93
    House Pot £1000.55/£2500
    Car Insurance Pot £126.70/£300
    Christmas 2024 Pot £96.57
    Emergency Fund £25.00/500.00
  • cathybird
    cathybird Posts: 15,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 2 January 2024 at 10:46PM
    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 2/12 image

    Balancinglife 2/18 image

    basketcase 1/12 image

    Baxtersmum 12

    beanielou 1/19 image

    blubella 12

    BudgetingBelinda 2/15 image

    cathybird 2/15 image

    Caeraugirl 1/20 image

    Couldsavemore 2/15 image

    craftingmad 16

    Crazycatlady2 20

    Doily94 2/16 image

    FrugalMum3 1/26 image

    GeorgianaCavendish 15

    Honeysucklelou2 1/10 image

    HotDog2020 1/16 image

    ilovetea 2/20 image

    KajiKita 1/15  image

    laura lau 16

    leftatthetrafficlights 2/24 image

    LittleMissDetermined 2/22 image

    Makingabobor2 1/15 image

    Money Choices 10

    outoftheviciouscircle 2/15 image

    PurplePhoenix62 1/10 image

    QueenJess

    Rupacomp 12

    Saver-upper

    short bird 1/20 image

    TheScarletPixie 2/20 image

    Thevalueofless 2/10 image

    try harder 20

    Newcomers welcome :)

  • outoftheviciouscircle
    outoftheviciouscircle Posts: 793 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    Day number 2 under the belt for me today.
    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

  • BudgetingBelinda
    BudgetingBelinda Posts: 496 Forumite
    100 Posts First Anniversary Name Dropper
    I’d love to join please.
    I’ve been reading the thread and had the last two days as NSD’s. I’d like to have a goal of 15 this month please. Mon- Weds I’m hoping to keep as NSD. I’m excluding bills and grocery challenge. This is to keep me out of the little shops/add to basket habits I have gotton into.
    Emergency Fund: 1000/2000
    August 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
  • cathybird
    cathybird Posts: 15,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi BudgetingBelinda, welcome to our lovely thread :):)
  • Balancinglife
    Balancinglife Posts: 112 Forumite
    Fifth Anniversary 100 Posts Name Dropper
    NSD today ☺️
    2/18
  • cathybird
    cathybird Posts: 15,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done LittleMissDetermined, leftatthetrafficlights, TheScarletPixie, ilovetea, Thevalueofless, Doily94, AuntieL, Couldsavemore, outoftheviciouscircle and Balancinglife imageimageimage
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