January 2025 NSD challenge
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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Joyous January's No-Spend Days Challenge!
Comments
-
Two more for me, for yesterday and today.#15 Save £12k in 2026 £6000/£120001
-
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 15/20
bamboo socks 2/10beanielou 17/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 13/20
Cassingtonbear 3/15
cathybird 11/15
Combenew 10craftingmad 2/16Crazybee787 15/19
cuddlymarm 12/15
Diane1276 10Dizzycap 16/27
Doris17 13/15
felicityBD15 2/10Flick85 3/10Frugalontoast 7/15
Honeysucklelou2 4/10Jay1 2 10/10
KajiKita 13/20
Lanky larry 9/20
laura lau 10/18
laurenh1 14/20
lilian1977 5/20
LittleMissDetermined 6/16
Louise600 5/10
Makingabobor2 6/15
Money Choices 2/10Nexgenn 6/10
Nintud 2/8QueenJess 12/15
Optimistic Saver 11/20
Pauper1 10/20
peacocking 13/25
RupacompSausageroll14 5/20
Saver-upper 7/12
SecondStar 10/15
SerenitySeven 10short bird 11/18
Thriftymissus 13/22
Tjh1412 13/15
try harder 15tryingmybesthonest 22To see the updated results for January, click here
🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
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)
April 2026 NSD Challenge 0/15MFW 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/£10002 -
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.Toodle-pip :hello: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
-
One for today please, tomorrow will be a spend day though as need to get the bus to the next big town2
-
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.
Frugal living in 2026.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
6 month Emergency Fund: £5,768 / £8,000
Nationwide 1 year 6.5% Savings - £1,600 / £2,2002
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards