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Joyous January's No-Spend Days Challenge!

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  • Jay1_2
    Jay1_2 Posts: 161 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    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.
    Toodle-pip :hello:
  • Makingabobor2
    Makingabobor2 Posts: 4,192 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    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
    .
    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-up


  • short_bird
    short_bird Posts: 4,012 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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.
  • CrazyBee787
    CrazyBee787 Posts: 872 Forumite
    500 Posts Name Dropper Photogenic
    edited 26 January at 7:46PM
    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 deliveryXX
  • cathybird
    cathybird Posts: 15,598 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 27 January at 5:40PM
    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 23/20  image  image  image  image  image  image  image 


    bamboo socks 2/10  image


    beanielou 26/19  image  image  image  image  image  image  image 


    BestnamesRgone 15 


    bloomfelt 8/10  image  image


    Bluefeathers32 10 


    Caeraugirl 19/20  image  image  image  image 


    Cassingtonbear 7/15  image  image 


    cathybird 17/15  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 24/27  image  image  image  image  image 


    Doris17 17/15  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 14/10  image  image  image  image  image 


    KajiKita 22/20  image  image  image  image  image  image  image 


    Lanky larry 9/20  image  image 


    laura lau 17/18  image  image  image  image 


    laurenh1 21/20  image  image  image  image  image  image  image 


    lilian1977 5/20   image  image


    LittleMissDetermined 13/16  image  image  image 


    Louise600 8/10  image  image


    Makingabobor2 11/15  image  image  image 


    Money Choices 9/10  image  image


    Nexgenn 6/10  image  image


    Nintud 2/8  image


    Optimistic Saver 17/20  image  image  image  image 


    Pauper1 16/20  image  image  image


    peacocking 18/25  image  image  image  image 


    QueenJess 16/15  image  image  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 15/18   image  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! 🌞 🌞

  • Another NSD today, bringing me to 17/20 NSDs
    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: £58,471.88
  • cathybird
    cathybird Posts: 15,598 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 27 January at 5:41PM
    image

    Yes there's a shiny new month just round the corner, any thoughts on targets? ... image

    February targets

    AuntieL 15
    bamboo socks
    beanielou 19
    BestnamesRgone
    bloomfelt
    Bluefeathers32
    Caeraugirl 20
    Cassingtonbear 10
    cathybird 15
    Combenew
    craftingmad
    CrazyBee787 19
    cuddlymarm 15
    Diane1276
    Dizzycap 20
    Doris17 12
    felicityBD15
    Flick85
    Frugalontoast
    Honeysucklelou2 10
    Jay1 2
    KajiKita 20
    Lanky Larry
    laura lau 15
    laurenh 20
    Lillian1977
    LittleMissDetermined 16
    Louise600
    Makingabobor2 15
    Money Choices
    Nexgenn
    Nintud
    Optimistic Saver
    Pauper1
    peacocking
    QueenJess 15
    Rupacomp
    Sausageroll14
    Saver-upper
    SecondStar 15
    SerenitySeven
    short bird 18
    Thriftymissus
    Tjh1412
    try harder
    tryingmybesthonest



    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • Dizzycap
    Dizzycap Posts: 1,071 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    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 :D
    ~ NSD 2025 - NSD July 23/20 (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 💯 - Continuing
  • Dizzycap
    Dizzycap Posts: 1,071 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 27 January at 2:27AM
    New NSD Target for February is 20 I hope to have most of the month as NSD's as I hardly need anything, but.... :D
    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 CashBack ;) Now it's back to bed xx
    ~ NSD 2025 - NSD July 23/20 (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 💯 - Continuing
  • 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%. 
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