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Joyous January's No-Spend Days Challenge!

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Comments

  • AuntieL
    AuntieL Posts: 502 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic
    Another NSD today 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    April 2026 NSD Challenge 0/15

    MFW 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/£1000
  • CrazyBee787
    CrazyBee787 Posts: 1,806 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    Not Today @cathybird but I have had a good day and with refunds and payment etc included I have overspent on the £25 spending money budget by £6.92 - I got a few things in a local cafe come shop and I love everything I got!! So it was a very good dayXX
  • cuddlymarm
    cuddlymarm Posts: 2,322 Forumite
    Part of the Furniture 1,000 Posts
    Another one for me today please.

    Pay off by Xmas 2026 £175/£2324.67
    February NSDs 6/15
    February PADs £55
    February grocery challenge £67.42/£200
  • Tjh1412
    Tjh1412 Posts: 249 Forumite
    Tenth Anniversary 100 Posts Name Dropper Photogenic
    Spend day for me today but I'm declaring early a NSD for tomorrow as I want to try and see if I can get to 20 by end of January so can up my target for February 
  • laurenh1
    laurenh1 Posts: 1,134 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    Another one for today please xx
  • Reporting in with another NSD today, bringing me to 16/20 NSDs so far.
    March 26:
    MBNA 6,130 - 0% Feb 28
    HAL 10,125.91 - 0% Jul 27
    BL 320 - Ends Jul 26
    Total: 16,575.91 less 7,000 Marcus savings = 9,575.91
    ⬇️ to pay down by Oct 27

    NSD March 15/22
    Make 2026 in 2026:
    173.01/2,026
    Vinted, YouGov, Bank Int & Fairer Share, Prolific, Quidco, Cheddar & SnapMyEats

    Savings accounts:
    Co-op 273.01/3,000
    Principality 600/1,200
    FD 2,000/2,000
    Santander Saver 400/2,400
    Lloyds 800/4,800
    Cahoot 50/3,000
    Invest 349.93
    🏆 ⬆️ Total: £4,472.94

    Mortgage: £54,048.73
  • cathybird
    cathybird Posts: 16,524 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 26 January 2025 at 5:06PM
    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 22/20  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 18/15  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 20/20  image  image  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 16/20  image  image  image  image 


    Pauper1 16/20  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 18/15  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! 🌞 🌞

  • Dizzycap
    Dizzycap Posts: 1,813 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 26 January 2025 at 6:38AM
    cathybird said:
    @Dizzycap, I have been meaning to say thank you for saying you like the little fellow (or lady) with the maracas , that emoji cheers me up
    I just LOVE it <3  maraca mania with a smile :D

    @ KajiKita I don't blame you taking advantage of enjoying the sun, I did too, for the few hours we were blessed with ;)<3
    Declaring a definate NSD for me today 24/27 far too tired already this morning to spend :/
    ~ NSD 2026 Challenge April 23/20 (4)
    # No.12 Save £2 a Day 2026 £243.32 / £730 (4)
    # No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)
    # No.19 52 Week Env Challenge 2026 £520 / £1378 (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)
    # Make £2026 in 2026 £1934.27 / £2026 (4)
  • Pauper1
    Pauper1 Posts: 574 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    24th & 25th were NSDs so I'm at 16/20 

    Today will require spending unfortunately. 
    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
  • cuddlymarm
    cuddlymarm Posts: 2,322 Forumite
    Part of the Furniture 1,000 Posts
    Good morning NSDers
    Another one for me today please making my total 18/15 


    Pay off by Xmas 2026 £175/£2324.67
    February NSDs 6/15
    February PADs £55
    February grocery challenge £67.42/£200
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