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Joyous January's No-Spend Days Challenge!

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laura_lau Posts: 682 Forumite

26 January at 9:35AM

Declaring early NSD for me today.

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
1
Doris17 Posts: 921 Forumite

26 January at 11:58AM

One for me please 17/15.

"Make Everyday Count"

1
beanielou Posts: 95,400 Ambassador

26 January at 12:50PM

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
Louise600 Posts: 54 Forumite

26 January at 1:56PM

1 NSD today for me please 😊 This challenge is really helping me be more mindful of what I’m spending. Thank you x

Car 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 £15975.48
1
AuntieL Posts: 369 Forumite

26 January at 2:58PM

NSD Sunday for me 😁

Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18

MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£700
1
laurenh1 Posts: 986 Forumite

26 January at 3:13PM

One today please CB xx

1
cathybird Posts: 15,594 Forumite

26 January at 5:09PM edited 26 January at 10:54PM

January 2025 NSD challenge

Off to a start =

5 days =

10 days =

15 days =

20 days =

Target reached =

Target beaten =

January targets

AuntieL 23/20

bamboo socks 2/10

beanielou 26/19

BestnamesRgone 15

bloomfelt 8/10

Bluefeathers32 10

Caeraugirl 19/20

Cassingtonbear 6/15

cathybird 16/15

Combenew 10

craftingmad 2/16

Crazybee787 19/19

cuddlymarm 18/15

Diane1276 10

Dizzycap 23/27

Doris17 17/15

felicityBD15 2/10

Flick85 3/10

Frugalontoast 8/15

Honeysucklelou2 4/10

Jay1 2 13/10

KajiKita 22/20

Lanky larry 9/20

laura lau 17/18

laurenh1 21/20

lilian1977 5/20

LittleMissDetermined 13/16

Louise600 8/10

Makingabobor2 10/15

Money Choices 9/10

Nexgenn 6/10

Nintud 2/8

QueenJess 16/15

Optimistic Saver 16/20

Pauper1 16/20

peacocking 18/25

Rupacomp

Sausageroll14 5/20

Saver-upper 12/15

SecondStar 10/15

SerenitySeven 10

short bird 14/18

Thriftymissus 20/22

Tjh1412 18/15

try harder 15

tryingmybesthonest 22

To see the updated results for January on phone or tablet, click here

🌞 🌞 Everyone welcome to join! 🌞 🌞

1
QueenJess Posts: 4,468 Forumite

26 January at 5:11PM

Declaring another NSD today.

2025 decluttering: 3,452🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 289🥉🥈🥇💎🏆
Big kitchen declutter challenge 78/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
1
Caeraugirl Posts: 586 Forumite

26 January at 5:33PM

Two more for yesterday and today please.

#21 Save £12k in 2025 £12577.35/£20000

July NSD Challenge 0/10
0
KajiKita Posts: 7,504 Forumite

26 January at 5:55PM

Not today 😊

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 36 books of target 52 in 2025, as @ 19th 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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