January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
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Two more for me, for yesterday and today.#21 Save £12k in 2025 £12577.35/£20000
July NSD Challenge 0/101 -
And Friday is day 11.‘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 -
Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 15/20bamboo socks 2/10beanielou 17/19BestnamesRgone 15bloomfelt 8/10Bluefeathers32 10Caeraugirl 13/20Cassingtonbear 3/15cathybird 11/15Combenew 10craftingmad 2/16Crazybee787 15/19cuddlymarm 12/15Diane1276 10Dizzycap 16/27Doris17 13/15felicityBD15 2/10Flick85 3/10Frugalontoast 7/15Honeysucklelou2 4/10Jay1 2 10/10KajiKita 13/20Lanky larry 9/20laura lau 10/18laurenh1 14/20lilian1977 5/20LittleMissDetermined 6/16Louise600 5/10Makingabobor2 6/15Money Choices 2/10Nexgenn 6/10Nintud 2/8QueenJess 12/15Optimistic Saver 11/20Pauper1 10/20peacocking 13/25RupacompSausageroll14 5/20Saver-upper 7/12SecondStar 10/15SerenitySeven 10short bird 11/18Thriftymissus 13/22Tjh1412 13/15try harder 15tryingmybesthonest 22To see the updated results for January, click here🌞 🌞 Everyone welcome to join! 🌞 🌞1
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Another NSD today taking me to my target 😁 As there’s still so much month left until payday, I’ll definitely manage some more. @cathybird - would it be possible to put my target up to 20? Many thanks.Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7002 -
Another NSD today please. I’m being strict and not doing grocery shopping on my NSD. I had my hair done and went to Aldi yesterday so none then!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 -
I spent yesterday and today. ☹ But I've got a new coat for £6!
Tomorrow I will be spending again.
Fingers crossed I'll be frugal on Sunday.2 -
Two more NSD, one for yesterday and one for 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 -
15/19 Please @cathybird Thank you - although tomorrow I have gone over budget on groceries so will be a spendy day. Thanks Hon and have a good weekendXX2
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One for today please, tomorrow will be a spend day though as need to get the bus to the next big town2025 in 2025- 2027/2025
365 savings challenge- £41.12/667.952 -
Up to 10 NSDs so far‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’Frugal living in 2024.
Frugal living in 2025.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
Nationwide 1 year 6.5% Savings - £400 / £2,4002
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