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Joyous January's No-Spend Days Challenge!

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Comments

  • Makingabobor2
    Makingabobor2 Posts: 4,708 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Another one today, bringing me up to 8
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,764....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  

    Challenges

    EF  £1600/3000
    .

    Studies/surveys April.....£63.71

    Decluttering items 1402/    2025.  195/2026
    Books read    23 in 2025.  2026- 10 (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • cathybird
    cathybird Posts: 16,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 20 January 2025 at 5:45PM
    January 2025 NSD challenge


    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 16/20  image  image  image  image

    bamboo socks 2/10  image

    beanielou 20/19  image  image  image  image  image  image  image 

    BestnamesRgone 15 

    bloomfelt 8/10  image  image

    Bluefeathers32 10 

    Caeraugirl 13/20  image  image  image

    Cassingtonbear 3/15  image 

    cathybird 13/15  image  image  image

    Combenew 10 

    craftingmad 2/16  image

    Crazybee787 15/19  image  image  image  image

    cuddlymarm 13/15  image  image  image

    Diane1276 10 

    Dizzycap 18/27  image  image  image  image

    Doris17 14/15  image  image  image

    felicityBD15 2/10  image

    Flick85 3/10  image

    Frugalontoast 7/15  image  image

    Honeysucklelou2 4/10  image

    Jay1 2 10/10  image  image  image  image

    KajiKita 16/20  image  image  image  image 

    Lanky larry 9/20  image  image 

    laura lau 11/18  image  image  image

    laurenh1 17/20  image  image  image  image

    lilian1977 5/20   image  image

    LittleMissDetermined 9/16  image  image

    Louise600 5/10  image  image

    Makingabobor2 8/15  image  image

    Money Choices 6/10  image  image

    Nexgenn 6/10  image  image

    Nintud 2/8  image

    QueenJess 12/15  image  image  image

    Optimistic Saver 13/20  image  image  image

    Pauper1 12/20  image  image  image

    peacocking 14/25  image  image  image

    Rupacomp  

    Sausageroll14 5/20  image  image

    Saver-upper 12/15  image  image  image

    SecondStar 10/15  image  image  image

    SerenitySeven 10 

    short bird 12/18   image  image  image

    Thriftymissus 16/22   image  image  image  image

    Tjh1412 14/15  image  image  image

    try harder 15 

    tryingmybesthonest 22 


    To see the updated results for January, click here :)


    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • KajiKita
    KajiKita Posts: 9,944 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    NSD here 😊

    KK
    As at 17.03.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 26 books of target 52 in 2026 as @ 12th April. 
    Produce tracker: £78 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • AuntieL
    AuntieL Posts: 502 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic
    NSD Sunday for me 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    April 2026 NSD Challenge 0/15

    MFW 2025 #45
    Jan 2016 Mortgage = £150,894 (23years 0months)
    Current outstanding = £90,256.60 (10years 1month)
    2024 Overpayment = £675.66
    2025 Overpayment = £710/£700
    2026 Overpayment = £357.72/£1000
  • Dizzycap
    Dizzycap Posts: 1,777 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 20 January 2025 at 1:26AM
    Today will be a spend day for me as I have a 50% off offer on the essentials I need and also buy in bulk for the coming months, so I'm taking it! :D I've also got a whole load of double & extra bonus Boots points and cashback through TCB ;) I'm going to pop to Sainsburys to stock up on HH essentials which I also need and will bulk buy again as I also have a 50% off offer through the Shop & Scan App, which rarely comes along ;)
    The maracas will have to wait for a couple more days, but it means unless there is an emergency before the end of this month or through next month, the bank card will be re-frozen as there will be absolutely no reason to spend :D<3
    ~ NSD 2026 Challenge April 17/20 (4)
    # No.12 Save £2 a Day 2026 £243.32 / £730 (4)
    # No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)
    # No.19 52 Week Env Challenge 2026 £520 / £1378 (4)
    # No.4 Save £12k in 2026  £6,234.25 / £12,000 (4)
    # No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)
    # No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)
    # Make £2026 in 2026 £1886.43 / £2026 (4)
  • laurenh1
    laurenh1 Posts: 1,129 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    Not a NSD yesterday as I gave my kids a couple of pounds each on top of their pocket money. Today will be one though please CB.

    I have some baking to do tonight for my kids lunch box snacks. I did make a batch of cookies yesterday but they've all gone 🤣
  • LittleMissDetermined
    LittleMissDetermined Posts: 10,566 Forumite
    Part of the Furniture 10,000 Posts Debt-free and Proud! Photogenic
    Declaring today one - early I know but I'm not going anywhere and still catching up on work so busy busy busy! 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017
    EF £1000/£1000 | Sabbatical £4685/£6000
  • Thriftymissus
    Thriftymissus Posts: 363 Forumite
    100 Posts First Anniversary Photogenic Name Dropper
    NSD number 16 today.
  • beanielou
    beanielou Posts: 99,270 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • Optimistic_Saver
    Optimistic_Saver Posts: 358 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Checking in with a NSD for today (I’m staying in 😁) - 13/20 NSDs for me, so far, @cathybird - slow progress. I can only imagine how I’d be getting on without this thread to keep me in check!
    March 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: £54,048.73
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