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Joyous January's No-Spend Days Challenge!

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  • Makingabobor2
    Makingabobor2 Posts: 4,208 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Another one today, bringing me up to 8
    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


  • cathybird
    cathybird Posts: 15,637 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 20 January at 5:45PM
    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 16/20  image  image  image  image


    bamboo socks 2/10  image


    beanielou 20/19  image  image  image  image  image  image  image 


    BestnamesRgone 15 


    bloomfelt 8/10  image  image


    Bluefeathers32 10 


    Caeraugirl 13/20  image  image  image


    Cassingtonbear 3/15  image 


    cathybird 13/15  image  image  image


    Combenew 10 


    craftingmad 2/16  image


    Crazybee787 15/19  image  image  image  image


    cuddlymarm 13/15  image  image  image


    Diane1276 10 


    Dizzycap 18/27  image  image  image  image


    Doris17 14/15  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 16/20  image  image  image  image 


    Lanky larry 9/20  image  image 


    laura lau 11/18  image  image  image


    laurenh1 17/20  image  image  image  image


    lilian1977 5/20   image  image


    LittleMissDetermined 9/16  image  image


    Louise600 5/10  image  image


    Makingabobor2 8/15  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 13/20  image  image  image


    Pauper1 12/20  image  image  image


    peacocking 14/25  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 12/18   image  image  image


    Thriftymissus 16/22   image  image  image  image


    Tjh1412 14/15  image  image  image


    try harder 15 


    tryingmybesthonest 22 



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


    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • KajiKita
    KajiKita Posts: 7,628 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD 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. 
  • AuntieL
    AuntieL Posts: 370 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    NSD Sunday for me 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    June 2025 NSD Challenge 1/18

    MFW 2025 #45
    Jan 2016 Mortgage = £149,895
    Current outstanding = £97,725
    2024 Overpayment = £675.66
    2025 Overpayment = £529/£700
  • Dizzycap
    Dizzycap Posts: 1,092 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 20 January at 1:26AM
    Today will be a spend day for me as I have a 50% off offer on the essentials I need and also buy in bulk for the coming months, so I'm taking it! :D I've also got a whole load of double & extra bonus Boots points and cashback through TCB ;) I'm going to pop to Sainsburys to stock up on HH essentials which I also need and will bulk buy again as I also have a 50% off offer through the Shop & Scan App, which rarely comes along ;)
    The maracas will have to wait for a couple more days, but it means unless there is an emergency before the end of this month or through next month, the bank card will be re-frozen as there will be absolutely no reason to spend :D<3
    ~ 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
  • laurenh1
    laurenh1 Posts: 991 Forumite
    Tenth Anniversary 500 Posts Photogenic Name Dropper
    Not a NSD yesterday as I gave my kids a couple of pounds each on top of their pocket money. Today will be one though please CB.

    I have some baking to do tonight for my kids lunch box snacks. I did make a batch of cookies yesterday but they've all gone 🤣
  • Declaring today one - early I know but I'm not going anywhere and still catching up on work so busy busy busy! 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Thriftymissus
    Thriftymissus Posts: 275 Forumite
    100 Posts Photogenic Name Dropper
    NSD number 16 today.
  • beanielou
    beanielou Posts: 95,530 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • Checking in with a NSD for today (I’m staying in 😁) - 13/20 NSDs for me, so far, @cathybird - slow progress. I can only imagine how I’d be getting on without this thread to keep me in check!
    From Jan 25:
    4,419.92-1,957.50
    4,538-3,260
    3,240.18-3,240.18
    BL 1,900-1,120
    Total: 12,182.91-9,577.68
    🏆 ⬇️ by £2,605.23

    NSD July 4/18
    #58 1p: 226.97/667.95 212/365
    #18 52: 1,063.89/1,378 27/52
    #32 Make 2025: 941.31/2,025
    #20 12k: 5,145.85/5,000

    Vin 86.50
    YG YL 100
    Prol SB 311.81
    Bank 364.32
    Quid 100.03
    Ched 49.77
    Snap 20
    Books 4.02

    Monzo 2,232.17
    TSB 700/2,700
    FD 1,100/3,500
    Atom 200
    Prin 600/1,224.74
    Invest 313.68
    🏆 ⬆️ Total: £5,145.85

    Trading: £793.73
    Mortgage: £58,471.88
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