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Joyous January's No-Spend Days Challenge!

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  • Louise600
    Louise600 Posts: 54 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    Hello. 1 NSD today for me please. Thank you  :)
    Car loan £8105.35 57/60 payments left of £141.80 per month 
    Loan £6687.23 55/58 payments left of £165 per month
    Nationwide £1183 (0% interest until 02/2026)

    Total debt £15975.48
  • CrazyBee787
    CrazyBee787 Posts: 885 Forumite
    500 Posts Name Dropper Photogenic
    16/19 Please @cathybird Thank you
  • cuddlymarm
    cuddlymarm Posts: 2,205 Forumite
    Part of the Furniture 1,000 Posts
    Another one for me please, making my total 14/15 
    Thanks

    June NSD 8/15
  • AuntieL
    AuntieL Posts: 369 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    Another NSD today 😁
    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
  • Caeraugirl
    Caeraugirl Posts: 586 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Another for me today.
    #21 Save £12k in 2025 £12577.35/£20000

    July NSD Challenge 0/10
  • Frugalontoast
    Frugalontoast Posts: 18 Forumite
    10 Posts Second Anniversary Photogenic
    8/15 NSD- bloody hell, it’s surprisingly hard this isn’t it? 😬
  • KajiKita
    KajiKita Posts: 7,571 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD Monday here 😊

    8/15 NSD- bloody hell, it’s surprisingly hard this isn’t it? 😬
    It’s about building new habits which inevitably takes time, but you’re doing okay at 8/15 by this stage of the month 😊 You have 7 more NSDs to find in 11 days of the month. There’s a good chance you’ll do it and if not, you can always try again next month 😊
    Love your name btw 😊

    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 39 books of target 52 in 2025, as @ 27th July
    Produce tracker: £227 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. 
  • cathybird
    cathybird Posts: 15,612 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @Frugalontoast what @KajiKita said - it does get easier over time! xx
  • cathybird
    cathybird Posts: 15,612 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 21 January at 5:12PM
    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 17/20  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 14/20  image  image  image


    Cassingtonbear 3/15  image 


    cathybird 14/15  image  image  image


    Combenew 10 


    craftingmad 2/16  image


    Crazybee787 16/19  image  image  image  image


    cuddlymarm 14/15  image  image  image


    Diane1276 10 


    Dizzycap 19/27  image  image  image  image


    Doris17 14/15  image  image  image


    felicityBD15 2/10  image


    Flick85 3/10  image


    Frugalontoast 8/15  image  image


    Honeysucklelou2 4/10  image


    Jay1 2 10/10  image  image  image  image


    KajiKita 17/20  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 6/10  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 on phone or tablet, click here :)


    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • Dizzycap
    Dizzycap Posts: 1,083 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 21 January at 4:08AM
    It's definately a NSD for me. Bed rest & bank card re-frozen in the banking app. Total 19 and the maracas are getting closer :D
    ~ NSD 2025 - NSD July 26/20 (x💯)
    # Spectos/Royal Mail Monitoring and Posting Panel - Ongoing
    ~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺
    ⭐️Completed Challenges 2025:
    # No.36 Make £2025 in 2025 £1634.34 / £2025 (58%) (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 £13,429.74 / £12,000 💯 - Continuing
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