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Joyous January's No-Spend Days Challenge!
Comments
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Good morning guys
Bit dull and yucky here but at least it’s my day off.
Today will be another NSD making it 13/15 😀 as I’ve no intention of going anywhere near people today ( working in a shop can make you feel that way 😂)
Have a good day everyone
Sept Turtle 12/16 NSDs
Sept PADs £6352 -
One today.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
One for yesterday and today please xx1
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14/25 🙂 Yesterday I did some food shopping, but I'm calling today a NSD in advance!About 35k March 24
<then many hours working, little sleep, much grumbling>
Now:
£13577 Jan 25
£11100 End Jan 251 -
One for me today please.14/15
"Make Everyday Count"1 -
Not sure ….
Bought 2025 diary and A4 hard bound book for Mr KK - he’s refunded me for these so I’m not counting them as a spend.
Bought screen wash and a new windscreen scraper as mine are worn out. Are these essentials?KKAs 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 -
Hi @cathybird I earnt £40 but spent £1.90 over that therefore it is a spendy day anyhow! Thank youXXMissions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.1 -
@KajiKita I'd say yes? The windscreen needs to be workable to be able to drive. Fuel and public transport can both be excluded on the grounds that you've got to be able to get from A to B. So there is a definite case for discounting those two purchases (I think). If you agree I will add an NSD! xx0
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January 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 15/20
bamboo socks 2/10beanielou 18/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 13/20
Cassingtonbear 3/15
cathybird 12/15
Combenew 10craftingmad 2/16Crazybee787 15/19
cuddlymarm 13/15
Diane1276 10Dizzycap 18/27
Doris17 14/15
felicityBD15 2/10Flick85 3/10Frugalontoast 7/15
Honeysucklelou2 4/10Jay1 2 10/10
KajiKita 15/20
Lanky larry 9/20
laura lau 10/18
laurenh1 16/20
lilian1977 5/20
LittleMissDetermined 6/16
Louise600 5/10
Makingabobor2 7/15
Money Choices 6/10
Nexgenn 6/10
Nintud 2/8QueenJess 12/15
Optimistic Saver 11/20
Pauper1 10/20
peacocking 14/25
RupacompSausageroll14 5/20
Saver-upper 12/15
SecondStar 10/15
SerenitySeven 10short bird 11/18
Thriftymissus 14/22
Tjh1412 13/15
try harder 15tryingmybesthonest 22To see the updated results for January, click here
🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
Yes please CathyB 😊cathybird said:@KajiKita I'd say yes? The windscreen needs to be workable to be able to drive. Fuel and public transport can both be excluded on the grounds that you've got to be able to get from A to B. So there is a definite case for discounting those two purchases (I think). If you agree I will add an NSD! xx
KK
PS - won’t get one tomorrow. Snapped my garden fork handle this afternoon 🙄😂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
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