January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
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Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 21/20bamboo socks 2/10beanielou 24/19BestnamesRgone 15bloomfelt 8/10Bluefeathers32 10Caeraugirl 17/20Cassingtonbear 6/15cathybird 16/15Combenew 10craftingmad 2/16Crazybee787 19/19cuddlymarm 16/15Diane1276 10Dizzycap 23/27Doris17 16/15felicityBD15 2/10Flick85 3/10Frugalontoast 8/15Honeysucklelou2 4/10Jay1 2 13/10KajiKita 21/20Lanky larry 9/20laura lau 15/18laurenh1 19/20lilian1977 5/20LittleMissDetermined 12/16Louise600 7/10Makingabobor2 10/15Money Choices 6/10Nexgenn 6/10Nintud 2/8QueenJess 15/15Optimistic Saver 15/20Pauper1 14/20peacocking 18/25RupacompSausageroll14 5/20Saver-upper 12/15SecondStar 10/15SerenitySeven 10short bird 13/18Thriftymissus 19/22Tjh1412 17/15try harder 15tryingmybesthonest 22To see the updated results for January on phone or tablet, click here🌞 🌞 Everyone welcome to join! 🌞 🌞2
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NSD today 😁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/£7002 -
NSD Friday 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 37 books of target 52 in 2025, as @ 23rd July
Produce tracker: £223 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 -
19/19 Please @cathybird Thank you - yay I reached goal!3
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Declaring a NSD today.2025 decluttering: 3,5045🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 306🥉🥈🥇💎🏆
Big kitchen declutter challenge 91/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002 -
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.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 170 -
CrazyBee787 said:19/19 Please @cathybird Thank you - yay I reached goal!1
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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 dayIt'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~ NSD 2025 - NSD July 23/20 (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 💯 - Continuing3 -
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).
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