January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
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Another one today, bringing me up to 8Making 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
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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-up1 -
Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 16/20bamboo socks 2/10beanielou 20/19BestnamesRgone 15bloomfelt 8/10Bluefeathers32 10Caeraugirl 13/20Cassingtonbear 3/15cathybird 13/15Combenew 10craftingmad 2/16Crazybee787 15/19cuddlymarm 13/15Diane1276 10Dizzycap 18/27Doris17 14/15felicityBD15 2/10Flick85 3/10Frugalontoast 7/15Honeysucklelou2 4/10Jay1 2 10/10KajiKita 16/20Lanky larry 9/20laura lau 11/18laurenh1 17/20lilian1977 5/20LittleMissDetermined 9/16Louise600 5/10Makingabobor2 8/15Money Choices 6/10Nexgenn 6/10Nintud 2/8QueenJess 12/15Optimistic Saver 13/20Pauper1 12/20peacocking 14/25RupacompSausageroll14 5/20Saver-upper 12/15SecondStar 10/15SerenitySeven 10short bird 12/18Thriftymissus 16/22Tjh1412 14/15try harder 15tryingmybesthonest 22To see the updated results for January, click here🌞 🌞 Everyone welcome to join! 🌞 🌞1
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NSD here 😊
KKAs 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.1 -
NSD Sunday for me 😁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/£7001 -
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!
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~ NSD 2025 - NSD August 2/20 (7 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 💯 - Continuing2 -
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 🤣0 -
Declaring today one - early I know but I'm not going anywhere and still catching up on work so busy busy busy!
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
NSD number 16 today.1
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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 -
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: £58,471.881
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