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Joyous January's No-Spend Days Challenge!

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beanielou Posts: 95,469 Ambassador

23 January at 12:08PM

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
laura_lau Posts: 682 Forumite

23 January at 1:13PM

NSD today for me.

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
1
cathybird Posts: 15,607 Forumite

23 January at 5:22PM

Declaring one early. It has been a slightly spendy month for me, hoping the next few days will be less so!

1
cathybird Posts: 15,607 Forumite

23 January at 5:23PM edited 24 January at 4:32PM

January 2025 NSD challenge

Off to a start =

5 days =

10 days =

15 days =

20 days =

Target reached =

Target beaten =

January targets

AuntieL 20/20

bamboo socks 2/10

beanielou 23/19

BestnamesRgone 15

bloomfelt 8/10

Bluefeathers32 10

Caeraugirl 17/20

Cassingtonbear 4/15

cathybird 15/15

Combenew 10

craftingmad 2/16

Crazybee787 18/19

cuddlymarm 15/15

Diane1276 10

Dizzycap 22/27

Doris17 16/15

felicityBD15 2/10

Flick85 3/10

Frugalontoast 8/15

Honeysucklelou2 4/10

Jay1 2 13/10

KajiKita 20/20

Lanky larry 9/20

laura lau 14/18

laurenh1 19/20

lilian1977 5/20

LittleMissDetermined 11/16

Louise600 6/10

Makingabobor2 9/15

Money Choices 6/10

Nexgenn 6/10

Nintud 2/8

QueenJess 14/15

Optimistic Saver 14/20

Pauper1 14/20

peacocking 17/25

Rupacomp

Sausageroll14 5/20

Saver-upper 12/15

SecondStar 10/15

SerenitySeven 10

short bird 13/18

Thriftymissus 19/22

Tjh1412 15/15

try harder 15

tryingmybesthonest 22

To see the updated results for January on phone or tablet, click here

🌞 🌞 Everyone welcome to join! 🌞 🌞

1
AuntieL Posts: 369 Forumite

23 January at 7:43PM

Another NSD for me 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
1
CrazyBee787 Posts: 880 Forumite

23 January at 8:18PM

18/19 Today Please @cathybird thank youXX

1
laurenh1 Posts: 987 Forumite

23 January at 8:27PM

One today please. Not one yesterday, as I booked to take my kids to see NUFC women (much cheaper than the men's matches, although it is going up which is nice to see in a way) and paid for insurance for my holiday. I'm going to really try for number 20 tomorrow 🙂

1
KajiKita Posts: 7,565 Forumite

23 January at 9:12PM

NSD Thursday 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 38 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.
1
Pauper1 Posts: 539 Forumite

23 January at 9:13PM

14/20 now after yesterday & today

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
1
Dizzycap Posts: 1,083 Forumite

24 January at 1:10AM

It's another NSD for today (24th) 22/27 Far too fatigued to go shopping or shop online. Bank card frozen in App anyway, and I haven't any inspiration to unfreeze it anytime soon as there's nothing I need

~ NSD 2025 - NSD July 25/20 (6 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
2

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