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Joyous January's No-Spend Days Challenge!

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  • CrazyBee787
    CrazyBee787 Posts: 872 Forumite
    500 Posts Name Dropper Photogenic
    cathybird said:
    19/19 Please @cathybird Thank you - yay I reached goal!
    @Crazybee787 yay for reaching goal :):)
    Thank you 😁❤️😁
  • Thriftymissus
    Thriftymissus Posts: 272 Forumite
    100 Posts Photogenic Name Dropper
    edited 25 January at 10:32AM
    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 💐
  • Morning all, it’s one for me today 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    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:
    1. Tidy up and clean (usual Saturday Activity)
    2. Walk the dog for a much longer stretch, all the way to the river, where it is particularly beautiful especially on a sunny day
    3. Declutter some parts of my bookshelf 
    4. Drop off donations from said bookshelf 
    5. Make plans for my wool stash
    6. Knit and watch tv
    7. 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 43.5/66
  • beanielou
    beanielou Posts: 95,434 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • Money_Choices
    Money_Choices Posts: 264 Forumite
    Sixth Anniversary 100 Posts Photogenic
    Hi
    I am declaring 3 NSDs which makes my total 9/10 NSDs.
    These were 18, 20 and 21 Jan.

    Money Choices
    3-6 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/£150.00
  • short_bird
    short_bird Posts: 4,012 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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.
  • cathybird
    cathybird Posts: 15,599 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 25 January at 11:48PM
    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 21/20  image  image  image  image  image  image  image 


    bamboo socks 2/10  image


    beanielou 25/19  image  image  image  image  image  image  image 


    BestnamesRgone 15 


    bloomfelt 8/10  image  image


    Bluefeathers32 10 


    Caeraugirl 17/20  image  image  image  image 


    Cassingtonbear 6/15  image  image 


    cathybird 16/15  image  image  image  image  image  image 


    Combenew 10 


    craftingmad 2/16  image


    Crazybee787 19/19  image  image  image  image  image 


    cuddlymarm 16/15  image  image  image  image  image  image 


    Diane1276 10 


    Dizzycap 23/27  image  image  image  image  image 


    Doris17 16/15  image  image  image  image  image  image 


    felicityBD15 2/10  image


    Flick85 3/10  image


    Frugalontoast 8/15  image  image


    Honeysucklelou2 4/10  image


    Jay1 2 13/10  image  image  image  image  image 


    KajiKita 22/20  image  image  image  image  image  image  image 


    Lanky larry 9/20  image  image 


    laura lau 16/18  image  image  image  image 


    laurenh1 19/20  image  image  image  image 


    lilian1977 5/20   image  image


    LittleMissDetermined 13/16  image  image  image 


    Louise600 7/10  image  image


    Makingabobor2 10/15  image  image  image 


    Money Choices 9/10  image  image


    Nexgenn 6/10  image  image


    Nintud 2/8  image


    QueenJess 15/15  image  image  image  image  image 


    Optimistic Saver 15/20  image  image  image  image 


    Pauper1 14/20  image  image  image


    peacocking 18/25  image  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 14/18   image  image  image


    Thriftymissus 20/22   image  image  image  image  image 


    Tjh1412 17/15  image  image  image  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! 🌞 🌞

  • cathybird
    cathybird Posts: 15,599 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @Dizzycap, I have been meaning to say thank you for saying you like the little fellow (or lady) with the maracas image, that emoji cheers me up image
  • KajiKita
    KajiKita Posts: 7,545 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    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 😊

    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 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. 
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