January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
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cathybird said:CrazyBee787 said:19/19 Please @cathybird Thank you - yay I reached goal!1
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Definitely an NSD today. Not one tomorrow as am going out for a meal. That’s me up to 20. Two more January days to hit my target.
I appreciated my first TooGoodToGo bags yesterday, I got £25 worth of food for £5. I gave some to a neighbour, my partner ate some, I ate some bakery items, added veg to our meal last night. Got a Hovis loaf best before next week as it has a tear in the wrapper. Still got some veg left to go with me cooking today as well as croissants and blueberry muffins. 🤩Thanks @cathybird 💐1 -
Morning all, it’s one for me today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
morning and NSD for me too, have absolutely zero money left and payday is not until Monday. Today I feel the urge to do something interesting and different, might be because it’s finally sunny with blue Sky, so my plan to not use the credit card is:
- Tidy up and clean (usual Saturday Activity)
- Walk the dog for a much longer stretch, all the way to the river, where it is particularly beautiful especially on a sunny day
- Declutter some parts of my bookshelf
- Drop off donations from said bookshelf
- Make plans for my wool stash
- Knit and watch tv
- Read a book
Not necessarily in this order.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 43.5/664 -
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 -
Hi
I am declaring 3 NSDs which makes my total 9/10 NSDs.
These were 18, 20 and 21 Jan.
Money Choices3-6 months Emergency Fund challenge No 81 £700/£2,400. NSD challenge 25 Jan 9/10 NSDs, Feb 10/10 NSDs, March 10/10 NSDs, April 9/10 NSDs, May 0/0 NSDs, June 5/12 NSDS.
Grocery Challenge 25 Jan £20/50, Feb £60/£100, March £229.48/£300, April £173.81/£120, May £0/£0, June £88.24/£150.001 -
Saturday is day 14: hope Eowyn was kind to you.‘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.1 -
Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 21/20bamboo socks 2/10beanielou 25/19BestnamesRgone 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 22/20Lanky larry 9/20laura lau 16/18laurenh1 19/20lilian1977 5/20LittleMissDetermined 13/16Louise600 7/10Makingabobor2 10/15Money Choices 9/10Nexgenn 6/10Nintud 2/8QueenJess 15/15Optimistic Saver 15/20Pauper1 14/20peacocking 18/25RupacompSausageroll14 5/20Saver-upper 12/15SecondStar 10/15SerenitySeven 10short bird 14/18Thriftymissus 20/22Tjh1412 17/15try harder 15tryingmybesthonest 22To see the updated results for January on phone or tablet, click here🌞 🌞 Everyone welcome to join! 🌞 🌞0
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NSD Saturday here 😊 Was going to go out to the garden centre today to replace my broken garden fork and some seed spuds but the weather was so good I decided to keep going in the garden. Rain tomorrow so I will go then 😊
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
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