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Joyous January's No-Spend Days Challenge!

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  • bloomfelt
    bloomfelt Posts: 507 Forumite
    Tenth Anniversary 500 Posts Name Dropper Photogenic
    Thankyou for starting a new thread @cathybird
    I've had a really tough 2024 and a lot has slipped through the net. I'd like to try and get back on track for 2025 and ease myself back in with a goal of 10 nsd's for January. I've downloaded the app for my phone so I can hopefully keep up with posting a bit better. 
    January NSD8/10
  • CrazyBee787
    CrazyBee787 Posts: 914 Forumite
    500 Posts Name Dropper Photogenic
    I have to retrain myself not to spend money after a few days of continuous spending, I am trying to tell myself to not spend for the first 19 days, then I will have some spending days later on. Which means I feel like crisps I will wait for my groceries and not add it on to my fuel trip, keeping as many no spend days as possible. Sorry for the waffle. Happy New Year. Please @cathybird can I have one for today...thank you XX
  • Makingabobor2
    Makingabobor2 Posts: 4,215 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    First NSD  of the month and the year for me please. Determined to do better this year
    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 756

    Books read    13
    Jigsaws done  8

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


  • short_bird
    short_bird Posts: 4,019 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Day 1: haven't been out, not bought anything online...
    ‘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.
  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    Starting the year with NSD. Happy new year!
    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 43.5/66
  • lilian1977
    lilian1977 Posts: 5,157 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Counting today as DMIL paid for lunch, I bought milk but used the food budget and I was passing the big T3sco so got the GreenJinn Minor Figures milk - they don't have it in my local one and it's much nicer, the £1 off brings it to pretty much the price of the A1di one. NSD 1.
    My debt free diary | Post Office loan: £2131 1429.38 | Barclaycard: £4429 1988.12 | Paypal Credit £322.71 574.91 | Monzo Flex £169.03 |

    Total £4151.44 | £2900.30 of £7051.74 paid off since diary started October 2024.
  • AuntieL
    AuntieL Posts: 370 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    Happy New Year everyone!

    Starting the year with an NSD 😁
    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
  • QueenJess
    QueenJess Posts: 4,497 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Declaring a NSD for today.  Probably not another one for a few days as I have some things planned whilst DS is still on school holidays.
    2025 decluttering: 3,848🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
    2025 use up challenge: 328🥉🥈🥇💎🏆
    Big kitchen declutter challenge 105/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • Pauper1
    Pauper1 Posts: 539 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    First NSD for me today too. Only ventured to the in laws and didn't buy anything online  B)
    Make £2025 in 2025 #18 - £569.66/£2025
    1p savings challenge #32 £24.85/£667.95

    March - 0/15 NSD, £189.29/£168.75 made, PAD £72/£186, £184.87/£400 GC

    Total debts Jan 1st £11706.68 😭
    Jan 29th £11354.92

    Mar 1st £11015.30
  • Optimistic_Saver
    Optimistic_Saver Posts: 321 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    edited 1 January at 9:07PM
    Hi there - could I join, please? With a NSD target of 15…. 🤞 Off to a good start, with no spending today. 1/15 🙌
    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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