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Joyous January's No-Spend Days Challenge!

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  • cathybird
    cathybird Posts: 15,595 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 27 January at 11:38PM
    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 12
    KajiKita 20
    Lanky Larry
    laura lau 18
    laurenh 18
    Lillian1977
    LittleMissDetermined 16
    Louise600 10
    Makingabobor2 15
    Money Choices
    Nexgenn
    Nintud
    Optimistic Saver 20
    Pauper1
    peacocking
    QueenJess 15
    Rupacomp
    Sausageroll14
    Saver-upper
    SecondStar 15
    SerenitySeven
    short bird 18
    Thriftymissus 22
    Tjh1412 15
    try harder
    tryingmybesthonest



    🌞 🌞  Newcomers welcome! 🌞 🌞

  • CrazyBee787
    CrazyBee787 Posts: 865 Forumite
    500 Posts Name Dropper Photogenic
    Hi @cathybird please can I have 20/19 Thank you, and I would like to stay on 19 target for Feb Thanks.
  • Makingabobor2
    Makingabobor2 Posts: 4,190 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    One today please
    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


  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    @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 43.5/66
  • Optimistic_Saver
    Optimistic_Saver Posts: 321 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    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: 18/20
    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
  • AuntieL
    AuntieL Posts: 369 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    Another NSD today 😁
    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
  • Jay1_2
    Jay1_2 Posts: 161 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    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.
    Toodle-pip :hello:
  • Louise600
    Louise600 Posts: 54 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    Hi I’ll do an 10 target again for February please 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
  • KajiKita
    KajiKita Posts: 7,522 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD Monday. 

    20 for February please 😊

    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 37 books of target 52 in 2025, as @ 23rd 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. 
  • Makingabobor2
    Makingabobor2 Posts: 4,190 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Going to try for 15 again in Feb. I know its a short month, but I am determined to give it my best shot
    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


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