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Joyous January's No-Spend Days Challenge!

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  • Caeraugirl
    Caeraugirl Posts: 594 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Another two for yesterday and today - avoided spending at work both days.
    #21 Save £12k in 2025 £16977.35/£20000

    August NSD Challenge 12/10
  • AuntieL
    AuntieL Posts: 385 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    Another NSD for me today 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    August 2025 NSD Challenge 10/18

    MFW 2025 #45
    Jan 2016 Mortgage = £149,895
    Current outstanding = £97,725
    2024 Overpayment = £675.66
    2025 Overpayment = £593/£700
  • Louise600
    Louise600 Posts: 54 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    Another NSD today for me please. I’m finding this thread really helpful, 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 £15975.48
  • peacocking
    peacocking Posts: 27 Forumite
    Fourth Anniversary 10 Posts Name Dropper Photogenic
    6/25 for me. Another long day at work removed (almost) all temptation.
    About 35k March 24

    <then many hours working, little sleep, much grumbling>

    Now:

    £13577 Jan 25
    £11100 End Jan 25
  • CrazyBee787
    CrazyBee787 Posts: 1,030 Forumite
    1,000 Posts Name Dropper Photogenic
    Hi @cathybird Can I class meds (£3.99) as a necessity and salt ((£1.15) too for a wound? If yes please put me down for 6/19 please if not 5/19 still. Thanks. I am thinking they were necessary and I avoided take out, but I will leave it to you to judge..Thanks. 
    Mission Number One: Get a job!
    Mission Number Two: Get a lodger!
    Mission Number Three: Clear debt, starting balance: £1997.17, balance now: £1939.22
    Mission Number Four: Keep Job!
    Once accomplished all four missions come back and start new missions!
  • Optimistic_Saver
    Optimistic_Saver Posts: 321 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    I am publicly committing to another NSD tomorrow. 

    This thread is brilliant - thanks so much! Taking part in this challenge is helping me realise how often I am tempted to spend - on the back of a marketing email; special offer or ‘bargain’. Or moments of browsing the Internet and thinking I really need something I’ve seen 🙄

    Can I up my target to 20 NSDs, please, cathybird? Including tomorrow that will take me to 6/20 NSDs.
    From Jan 25:
    4,419.92-1,957.50
    4,538-3,260
    3,240.18-3,240.18
    BL 1,900-1,120
    Total: 12,182.91-9,577.68
    🏆 ⬇️ by £2,605.23

    NSD July 4/18
    #58 1p: 226.97/667.95 212/365
    #18 52: 1,063.89/1,378 27/52
    #32 Make 2025: 941.31/2,025
    #20 12k: 5,145.85/5,000

    Vin 86.50
    YG YL 100
    Prol SB 311.81
    Bank 364.32
    Quid 100.03
    Ched 49.77
    Snap 20
    Books 4.02

    Monzo 2,232.17
    TSB 700/2,700
    FD 1,100/3,500
    Atom 200
    Prin 600/1,224.74
    Invest 313.68
    🏆 ⬆️ Total: £5,145.85

    Trading: £793.73
    Mortgage: £58,471.88
  • QueenJess
    QueenJess Posts: 4,545 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Declaring another NSD today.
    2025 decluttering: 4,908 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟
    2025 use up challenge: 351🥉🥈🥇💎🏆
    Mini freezer challenge 0/-20
    Big kitchen declutter challenge 115/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • KajiKita
    KajiKita Posts: 7,944 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD Tuesday here 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,148  Interest saved £5,738 to date
    Fixed rate 3.85% ends October 2030

    Read 46 books of target 52 in 2025, as @ 28th August
    Produce tracker: £353 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. 
  • bloomfelt
    bloomfelt Posts: 507 Forumite
    Tenth Anniversary 500 Posts Name Dropper Photogenic
    Day 5 for me today please Cathybird
    January NSD8/10
  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    Today was a NSD, despite being an office day. I brought breakfast, lunch and water. Then I went to the company internal shop and didn’t buy anything, then when I was at the station waiting for my train, I didn’t even go into my favourite grocery shop to see what was discounted because it was expiring today. I always end up to buy something on my office days, so I’m very pleased I stuck to my decision 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 43.5/66
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