📨 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!

Options
1333436383961

Comments

  • KajiKita
    KajiKita Posts: 7,628 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD Friday here 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • Money_Choices
    Money_Choices Posts: 264 Forumite
    Sixth Anniversary 100 Posts Photogenic
    Hi

    4 more NSDs for me making my target 6/10 NSDs.
    They were 7,8,10 and 13 Jan.

    Today was a spend day, as I had a fasting blood test at doctors. Afterwards I went to M*ssions for a meal and bought some fresh fruit and veg.

    Money Choices
    3-6 months Emergency Fund challenge No 81 £700/£2,400. NSD challenge 25 Jan 9/10 NSDs, Feb 10/10 NSDs, March 10/10 NSDs, April 9/10 NSDs, May 0/0 NSDs, June 5/12 NSDS.
    Grocery Challenge 25 Jan £20/50, Feb £60/£100, March £229.48/£300, April £173.81/£120, May £0/£0, June £88.24/£150.00
  • Saver-upper
    Saver-upper Posts: 2,348 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Ooooohhh, lovely to see the thread so busy  :)
    Thank you for keeping us in line cathy- bird.

    Work has been so busy this month, haven't had any time to spend.

    Today was NSD #12, which I just realised is my target for this month 🎊. I will now aim for 15, thank you cathy- bird.
    SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £301,Valued Opinions £10.50





  • cathybird
    cathybird Posts: 15,637 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @AuntieL and @Saver-upper yay to raising targets! 

    @Tjh1412 if your only spend tomorrow is getting the bus, you can still count that as an NSD, because public transport is one of the things that doesn't have to count, unless you want it to of course. Just wanted to say :)
  • cathybird
    cathybird Posts: 15,637 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 18 January at 5:11PM
    January 2025 NSD challenge


    Off to a start = image

    5 days = image

    10 days = image

    15 days = image

    20 days = image

    Target reached = image

    Target beaten = image 


    January targets


    AuntieL 15/20  image  image  image  image


    bamboo socks 2/10  image


    beanielou 17/19  image  image  image  image


    BestnamesRgone 15 


    bloomfelt 8/10  image  image


    Bluefeathers32 10 


    Caeraugirl 13/20  image  image  image


    Cassingtonbear 3/15  image 


    cathybird 11/15  image  image  image


    Combenew 10 


    craftingmad 2/16  image


    Crazybee787 15/19  image  image  image  image


    cuddlymarm 12/15  image  image  image


    Diane1276 10 


    Dizzycap 18/27  image  image  image  image


    Doris17 13/15  image  image  image


    felicityBD15 2/10  image


    Flick85 3/10  image


    Frugalontoast 7/15  image  image


    Honeysucklelou2 4/10  image


    Jay1 2 10/10  image  image  image  image


    KajiKita 14/20  image  image  image


    Lanky larry 9/20  image  image 


    laura lau 10/18  image  image  image


    laurenh1 14/20  image  image  image


    lilian1977 5/20   image  image


    LittleMissDetermined 6/16  image  image


    Louise600 5/10  image  image


    Makingabobor2 7/15  image  image


    Money Choices 6/10  image  image


    Nexgenn 6/10  image  image


    Nintud 2/8  image


    QueenJess 12/15  image  image  image


    Optimistic Saver 11/20  image  image  image


    Pauper1 10/20  image  image  image


    peacocking 13/25  image  image  image


    Rupacomp  


    Sausageroll14 5/20  image  image


    Saver-upper 12/15  image  image  image


    SecondStar 10/15  image  image  image


    SerenitySeven 10 


    short bird 11/18   image  image  image


    Thriftymissus 14/22   image  image  image


    Tjh1412 13/15  image  image  image


    try harder 15 


    tryingmybesthonest 22 



    To see the updated results for January, click here :)


    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • Dizzycap
    Dizzycap Posts: 1,092 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 18 January at 3:03AM
    It's a NSD weekend for me so 2 more. Total 18/27.
    I can't wait to get the maracas as they make me laugh :D:D
    ~ NSD 2025 - NSD August 2/20 (x💯)
    # Spectos/Royal Mail Monitoring and Posting Panel - Ongoing - 1 x £25 Voucher Redeemed, 20 FREE Books of RM Stamps & Presentation Packs.
    ~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺
    ⭐️Completed Challenges 2025:
    # No.36 Make £2025 in 2025 £1934.34 / £2025 (95.5%) (3) 💯💯+
    # No.12 Save £2 a Day 2025 2025: £730/ £730 💯
    # No.27 Save 1p A Day 2025 £667.95 / £667.95 💯
    # No.19 52 Week Env Challenge £1378 / £1378 💯 
    # No.34 Save £12k in 2025 £14,986.67 / £12,000 💯 - Continuing
  • CrazyBee787
    CrazyBee787 Posts: 898 Forumite
    500 Posts Name Dropper Photogenic

    Same here! @Dizzycap I hope you are feeling much betterXX

    image
  • Thriftymissus
    Thriftymissus Posts: 275 Forumite
    100 Posts Photogenic Name Dropper
    Was hoping for an NSD yesterday but dropped my phone and smashed the screen so paid for it to be mended - booo 😞

    today will be an NSD so I’m up to 14, thank you @cathybird
  • Makingabobor2
    Makingabobor2 Posts: 4,208 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    An early call for today. No plans to go out or spend online. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 755

    Books read    12
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • CrazyBee787
    CrazyBee787 Posts: 898 Forumite
    500 Posts Name Dropper Photogenic
    edited 18 January at 9:45AM
    I am wondering @cathybird your thoughts on the following:- If I were to earn the money for the overspend today as MD and SFD need some jobs doing, would I be able to use this money to off set the overspend in groceries, I would need to earn £18.46 in total to pay off the credit card and off set the over spend? I'll let you know later if I earn this and see what your views are? It might not happen!
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.