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Joyous January's No-Spend Days Challenge!
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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 2 12KajiKita 20Lanky Larrylaura lau 18laurenh 18Lillian1977LittleMissDetermined 16Louise600 10Makingabobor2 15Money ChoicesNexgennNintudOptimistic Saver 20Pauper1peacockingQueenJess 15RupacompSausageroll14Saver-upperSecondStar 15SerenitySevenshort bird 18Thriftymissus 22Tjh1412 15try hardertryingmybesthonest🌞 🌞 Newcomers welcome! 🌞 🌞0
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Hi @cathybird please can I have 20/19 Thank you, and I would like to stay on 19 target for Feb Thanks.2
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One today pleaseMaking 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-up1 -
@cathybird can I have a target of 18 for February please? I am going to spend a few days at my mum's house to help her pack for her move, and I am aiming to have to days full spend-free, so hopefully I will be able to spend a bit less next month.
Today was not a NSD day, so I am not reaching my target yet, as I had hoped! I'll try again on Wednesday!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 43.5/661 -
My new NSD target for Feb is 20
- it might be a bit of a stretch in a 28-day month, but I’m gonna give it my best shot!
Jan NSDs so far: 18/20From 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 -
Another NSD today 😁
Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Spent today.
I think I'll put my NSD target up to 12 days in February (it did cross my mind to add two more days every month but that would mean 32 NSDs in December!).
Thank you for all the tracking you do.2 -
Hi I’ll do an 10 target again for February please xCar 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 £15975.480 -
NSD Monday.20 for February please 😊
KKAs 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.2 -
Going to try for 15 again in Feb. I know its a short month, but I am determined to give it my best shotMaking 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-up2
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