January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 21/20
bamboo socks 2/10
beanielou 24/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 17/20
Cassingtonbear 6/15
cathybird 16/15
Combenew 10craftingmad 2/16
Crazybee787 19/19
cuddlymarm 16/15
Diane1276 10Dizzycap 23/27
Doris17 16/15
felicityBD15 2/10
Flick85 3/10
Frugalontoast 8/15
Honeysucklelou2 4/10
Jay1 2 13/10
KajiKita 21/20
Lanky larry 9/20
laura lau 15/18
laurenh1 19/20
lilian1977 5/20
LittleMissDetermined 12/16
Louise600 7/10
Makingabobor2 10/15
Money Choices 6/10
Nexgenn 6/10
Nintud 2/8
QueenJess 15/15
Optimistic Saver 15/20
Pauper1 14/20
peacocking 18/25
RupacompSausageroll14 5/20
Saver-upper 12/15
SecondStar 10/15
SerenitySeven 10short bird 13/18
Thriftymissus 19/22
Tjh1412 17/15
try harder 15tryingmybesthonest 22To see the updated results for January on phone or tablet, click here
🌞 🌞 Everyone welcome to join! 🌞 🌞2 -
NSD today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10002 -
NSD Friday here 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
19/19 Please @cathybird Thank you - yay I reached goal!3
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Declaring a NSD today.2026 decluttering: 1,120 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 317🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0002 -
1 more NSD today please xCar 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 £15975.482 -
Thursday (16th), Sunday ( 19th), Tuesday (21st), Wednesday (22nd) and Thursday (23rd) we’re no spend days making 9/10 so far this month.paydbx2026 #19 £1499/£6000 . Mortgage start £148k June 23 - now £133k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.170 -
@Crazybee787 yay for reaching goalCrazyBee787 said:19/19 Please @cathybird Thank you - yay I reached goal!
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Awesome going everyone!

Declaring another NSD early today 23/27 as there is no way on earth I've got the energy or interest to even think about spending money over the weekend. It's going to have to be a total bed rest weekend with a little basic house hold rubbish decluttering, wiping over the kitchen surfaces, and hopefully, taking baby face for a walk each day
It's very quiet on MSE today, so I hope everyone is ok after the rain & storm x Edit: I've just looked at the headlines on BBC News and it's been carnage with the storm by the looks of it!
And now the rain has returned here again
Wishing everyone a great weekend xx# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1934.27 / £2026 (4)3 -
I spent on the 23rd and 24th, but that's OK as I've already passed my target.
Next month will be harder, I was going to increase my target but I think I'm going to be bored a lot so I'll need distractions. (I probably have enough cleaning to just do that all day / every day, but I know that's not going to happen).
Toodle-pip :hello:3
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