January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
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Yesterday I spent. Today I haven't -- a benefit of the weather. I haven't been badly effected by any storm but the rain puts me off going to shop.1
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Another one today.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £450/£3000
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Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 750
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Sunday is day 15.‘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 -
Not today, I have now used up all budget except £5.98 to Feb 19th! Eak! I did get some bargains this time I got MDs Birthday present - I hope she likes it, I spent £44.45 on Two tops and one throw over from a well know place ideal for the summer...I am really pleased with my purchases I think, I await deliveryXX1
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Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 23/20bamboo socks 2/10beanielou 26/19BestnamesRgone 15bloomfelt 8/10Bluefeathers32 10Caeraugirl 19/20Cassingtonbear 7/15cathybird 17/15Combenew 10craftingmad 2/16Crazybee787 19/19cuddlymarm 18/15Diane1276 10Dizzycap 24/27Doris17 17/15felicityBD15 2/10Flick85 3/10Frugalontoast 8/15Honeysucklelou2 4/10Jay1 2 14/10KajiKita 22/20Lanky larry 9/20laura lau 17/18laurenh1 21/20lilian1977 5/20LittleMissDetermined 13/16Louise600 8/10Makingabobor2 11/15Money Choices 9/10Nexgenn 6/10Nintud 2/8Optimistic Saver 17/20Pauper1 16/20peacocking 18/25QueenJess 16/15RupacompSausageroll14 5/20Saver-upper 12/15SecondStar 10/15SerenitySeven 10short bird 15/18Thriftymissus 20/22Tjh1412 18/15try harder 15tryingmybesthonest 22To see the updated results for January on phone or tablet, click here🌞 🌞 Everyone welcome to join! 🌞 🌞1
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From Jan 25:
4,419.92-1,957.50
4,538-3,260
3,240.18-3,240.18
BL 1,900-1,120
Total: 12,182.91-9,577.68
🏆 ⬇️ by £2,605.23
NSD July 4/18
#58 1p: 226.97/667.95 212/365
#18 52: 1,063.89/1,378 27/52
#32 Make 2025: 941.31/2,025
#20 12k: 5,145.85/5,000
Vin 86.50
YG YL 100
Prol SB 311.81
Bank 364.32
Quid 100.03
Ched 49.77
Snap 20
Books 4.02
Monzo 2,232.17
TSB 700/2,700
FD 1,100/3,500
Atom 200
Prin 600/1,224.74
Invest 313.68
🏆 ⬆️ Total: £5,145.85
Trading: £793.73
Mortgage: £58,471.882 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...February targetsAuntieL 15bamboo socksbeanielou 19BestnamesRgonebloomfeltBluefeathers32Caeraugirl 20Cassingtonbear 10cathybird 15CombenewcraftingmadCrazyBee787 19cuddlymarm 15Diane1276Dizzycap 20Doris17 12felicityBD15Flick85FrugalontoastHoneysucklelou2 10Jay1 2KajiKita 20Lanky Larrylaura lau 15laurenh 20Lillian1977LittleMissDetermined 16Louise600Makingabobor2 15Money ChoicesNexgennNintudOptimistic SaverPauper1peacockingQueenJess 15RupacompSausageroll14Saver-upperSecondStar 15SerenitySevenshort bird 18ThriftymissusTjh1412try hardertryingmybesthonest🌞 🌞 Everyone welcome to join! 🌞 🌞1
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Well done all with the NSD today!Today was a definate NSD for me, so 24/27.However, my House Insurance is due in a months time and the renewal amount quoted today, is daylight robbery, so I'm going to do comparisons and hopefully get some cashback through TCB as well as save on the insurance amount I've been quoted. For that reason, it's possible tomorrow will be a spend day - I've still got 4 NSD's in the tank to reach my goal this month~ 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 💯 - Continuing2
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New NSD Target for February is 20
I hope to have most of the month as NSD's as I hardly need anything, but....
Back to January: I'm stuck on 24 / 27 as it's a Spend Day today due to sorting out my house insurance in advance saving £88 including CashBackNow it's back to bed 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 💯 - Continuing2 -
27th is a NSD for me. 7/15 now. This was my first month doing it and it has been hard not to spend on little things. But doing this challenge has influenced some of my choices and helped me save a bit of money. So I consider that a win. For example, we were out at a new outlet mall that has opened up near us today. We didn't buy clothes or anything(great), but we also sat down in a Starbucks there and would normally have ordered coffee, sandwiches and cakes. However, we sat down, had a look at what they had and decided actually we have better stuff at home. I'm pleased my wife actually said that, because it means my personal reduction in spending efforts are having an influence on her spending behaviour and thoughts. So we went straight back home without spending anything and I cooked burgers and we had cakes from our fridge.
February target: I will reduce my target to 10 NSD.No.13 in the 2025 saving money challenge. Target £36,000.
Monthly grocery budget challenge: £720
NSD challenge: target 10 a month
Fat loss quarterly challenge: 21%body fat to 17%.4
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