We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Joyous January's No-Spend Days Challenge!

Comments

cathybird Posts: 15,840 Forumite

15 January at 5:14PM

@Dizzycap, sorry to hear you're still ill, hope it passes soon xx

0
QueenJess Posts: 4,617 Forumite

15 January at 5:41PM

A NSD today.

2025 decluttering: 5,256 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟
2025 use up challenge: 406🥉🥈🥇💎🏆
Big kitchen declutter challenge 137/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
1
CrazyBee787 Posts: 1,217 Forumite

15 January at 6:09PM

Hi @cathybird 13/19 please, Thank you, a pure no spend day today.

Missions: -

1) Build up an emergency fund (EF) £2000/£3500 By end of 2025!
2) Pay off Mortgage Starting £58000 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.
1
peacocking Posts: 27 Forumite

15 January at 6:44PM

Sorry for not checking in- family crisis in progress that's taking up all my time. 12/15 for me though, I'm still in the running

About 35k March 24

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

Now:

£13577 Jan 25
£11100 End Jan 25
2
AuntieL Posts: 418 Forumite

15 January at 7:50PM

Another NSD 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
1
Tjh1412 Posts: 220 Forumite

15 January at 8:18PM

Another one for me today, hopefully no spends until Saturday this week with work keeping me busy

2025 in 2025- 2027/2025
365 savings challenge- £41.12/667.95

1
KajiKita Posts: 8,419 Forumite

15 January at 8:51PM

NSD Wednesday 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 59books of target 52 in 2025, as @ 18th October
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.
1
Jay1_2 Posts: 161 Forumite

15 January at 8:54PM

Yesterday, another NSD.
And today.... I think.... yes definitely, now I've said it I won't go shopping online! 😇

Toodle-pip :hello:

1
Frugalontoast Posts: 18 Forumite

15 January at 9:32PM

7 NSDs so far

1
cathybird Posts: 15,840 Forumite

16 January at 12:19AM

@peacocking sorry to hear about the family crisis, hope you are OK xx

0

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

Categories

All Categories
352.1K Banking & Borrowing
253.5K Reduce Debt & Boost Income
454.2K Spending & Discounts
245.1K Work, Benefits & Business
600.7K Mortgages, Homes & Bills
177.5K Life & Family
258.9K Travel & Transport
1.5M Hobbies & Leisure
16.2K Discuss & Feedback
37.6K Read-Only Boards