January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
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Last one of the month 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.2 -
Hello, today will be another NSD, as I’m working from home all day and no reason to buy anything. That means I’m on day 23 today. I think this will be my last one as sadly will be buying an ‘in Sympathy’ card tomorrow.
well done everyone and thank you @cathybird ❤️2 -
Two more for me, for yesterday and today. OH has my car today and tomorrow, while his is being repaired, so am unlikely to be spending tomorrow either, but won't claim that til I can confirm that's the case. So for now am on 23/20.
#15 Save £12k in 2026 £4500/£120002 -
one more NSD for me 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 43.5/662 -
Declaring another NSD today.
2026 decluttering: 1,099 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 302🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0002 -
Hi 1 NSD today. Thank you
Car loan £8105.35 57/60 payments left of £141.80 per month
Loan £6687.23 55/58 payments left of £165 per month
Nationwide £1183 (0% interest until 02/2026)
Total debt £15975.482 -
My final NSD of the month today, as I’m meeting up with a friend for coffee tomorrow. Just made my target, by the skin of my teeth 😁
20/20 NSDs for Jan
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: £54,048.732 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 26/20
bamboo socks 2/10beanielou 30/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 23/20
Cassingtonbear 10/15
cathybird 20/15
Combenew 10craftingmad 2/16Crazybee787 22/19
cuddlymarm 18/15
Diane1276 10Dizzycap 27/27
Doris17 18/15
felicityBD15 2/10Flick85 3/10Frugalontoast 8/15
Honeysucklelou2 4/10Jay1 2 15/10
KajiKita 25/20
Lanky larry 9/20
laura lau 19/18
laurenh1 23/20
lilian1977 5/20
LittleMissDetermined 15/16
Louise600 10/10
Makingabobor2 12/15
Money Choices 9/10
Nexgenn 6/10
Nintud 2/8Optimistic Saver 20/20
Pauper1 19/20
peacocking 18/25
QueenJess 19/15
Sausageroll14 5/20
Saver-upper 12/15
SecondStar 17/15
SerenitySeven 10short bird 17/18
Thriftymissus 23/22
Tjh1412 18/15
To see the updated results for January on phone or tablet, click here🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
An NSD today, because my cold has come back and is stabbing me in the throat 🤧Toodle-pip :hello:1
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22/19 Please @cathybird I am dead keen to get the dancing blue monster next month!! Thanks.
Goals for 2026: -
- Save £4000 EF
- Save for a holiday if possible as well (secondry)
- No spends days 15+
2
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