January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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12/20 NSDs so far, @cathybird xMarch 26:
MBNA 6,130 - 0% Feb 28
HAL 10,125.91 - 0% Jul 27
BL 320 - Ends Jul 26
Total: 16,575.91 less 7,000 Marcus savings = 9,575.91
⬇️ to pay down by Oct 27
NSD March 15/22
Make 2026 in 2026:
173.01/2,026
Vinted, YouGov, Bank Int & Fairer Share, Prolific, Quidco, Cheddar & SnapMyEats
Savings accounts:
Co-op 273.01/3,000
Principality 600/1,200
FD 2,000/2,000
Santander Saver 400/2,400
Lloyds 800/4,800
Cahoot 50/3,000
Invest 349.93
🏆 ⬆️ Total: £4,472.94
Mortgage: £54,048.731 -
Another NSD today!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/661 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 15/20
bamboo socks 2/10beanielou 19/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 13/20
Cassingtonbear 3/15
cathybird 12/15
Combenew 10craftingmad 2/16Crazybee787 15/19
cuddlymarm 13/15
Diane1276 10Dizzycap 18/27
Doris17 14/15
felicityBD15 2/10Flick85 3/10Frugalontoast 7/15
Honeysucklelou2 4/10Jay1 2 10/10
KajiKita 15/20
Lanky larry 9/20
laura lau 11/18
laurenh1 16/20
lilian1977 5/20
LittleMissDetermined 8/16
Louise600 5/10
Makingabobor2 7/15
Money Choices 6/10
Nexgenn 6/10
Nintud 2/8QueenJess 12/15
Optimistic Saver 12/20
Pauper1 12/20
peacocking 14/25
RupacompSausageroll14 5/20
Saver-upper 12/15
SecondStar 10/15
SerenitySeven 10short bird 12/18
Thriftymissus 15/22
Tjh1412 14/15
try harder 15tryingmybesthonest 22To see the updated results for January, click here
🌞 🌞 Everyone welcome to join! 🌞 🌞2 -
NSDs 11 & 12 for yesterday & today 🤞 will be spending tomorrow.
12/20Make £2025 in 2025 #18 - £569.66/£2025
1p savings challenge #32 £24.85/£667.95
March - 0/15 NSD, £189.29/£168.75 made, PAD £72/£186, £184.87/£400 GC
Total debts Jan 1st £11706.68 😭
Jan 29th £11354.92
Mar 1st £11015.301 -
Good morning all, I hope you have a lovely Sunday.Today will be my number 15 NSD.1
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Another 2 for me please for yesterday and today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60001 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
One for today please1
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Not today, I purchased a heavily reduced commercial blender, I have been after one for some time, It was MDs idea to go looking and I found it. And since it is a spendy day I bought screenwash and crisps. That is the end of the spending though, and I have to work out what I am going to do about next month, as I have put a big chunk on the blender out of the budget! EAK!
Goals for 2026: -
- Save £4000 EF
- Save for a holiday if possible as well (secondry)
- No spends days 15+
2 -
Early call for day 12.
Going to be a busy old week.‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.1
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