January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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One more for me today, taking me to my target of 20.#21 Save £12k in 2025 £24277.35/£200003
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 24/20
bamboo socks 2/10
beanielou 28/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 21/20
Cassingtonbear 8/15
cathybird 18/15
Combenew 10craftingmad 2/16
Crazybee787 21/19
cuddlymarm 18/15
Diane1276 10Dizzycap 25/27
Doris17 17/15
felicityBD15 2/10
Flick85 3/10
Frugalontoast 8/15
Honeysucklelou2 4/10
Jay1 2 14/10
KajiKita 24/20
Lanky larry 9/20
laura lau 17/18
laurenh1 23/20
lilian1977 5/20
LittleMissDetermined 15/16
Louise600 8/10
Makingabobor2 12/15
Money Choices 9/10
Nexgenn 6/10
Nintud 2/8
Optimistic Saver 18/20
Pauper1 16/20
peacocking 18/25
QueenJess 16/15
RupacompSausageroll14 5/20
Saver-upper 12/15
SecondStar 17/15
SerenitySeven 10short bird 16/18
Thriftymissus 22/22
Tjh1412 18/15
try harder 15tryingmybesthonest 22To see the updated results for January on phone or tablet, click here
🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
Well done everyone!


Definately a NSD for me today 25/27 - I'm decluttering some more not recluttering with any spending

~ NSD 2025 - NSD November 16/15 (11 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & 2 x Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1698.68 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 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 £21,877.08 / £12,000 💯 (11) - Continuing3 -
Thanks for the advice, I appreciate it. I have been trying to condense spending into fewer days but still little things come up. Mostly unnecessary things as well, like little pops to the shop.CrazyBee787 said:
If you wanted you could change the rules so you find it a bit easier going and more motivating, like exclude essentials, or make sure you shop for everything in one day, so you don't end up buying groceries all through the week. Have a budget of spending money and only if you go over record it as a spending day, this way you have a bit of leeway and a goal to reach. But I undertsand you wanting true No spend days, but honestly you'll have more of them if you go easier on your self, just an idea. Well done for the improvements you have made, 7 true no spend days is still good when you haven't done it before.Cassingtonbear said: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.
I will keep going with aiming for complete no spend days, basically to help me stop spending on little bits of rubbish.
Another no spend day for me today so 8/15 now.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%.3 -
NSD 22 for me today. Hitting my target. Very pleased with myself and no reason why I can’t manage a couple more this week…maybe.3
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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.2 -
Not sure about today, I have bought/made my kids World Book Day outfits, one I bought second hand and the other one I have made from bits I had lying around, excpet for a white shirt, which I bought from Vinted. It is a spend, think I could losely argue it is essential, as the kids need an outfit for school but I am happy however you want to log it CB x Either way I am very happy with my cost affective outfits, and really pleased at how my home made one has turned out. Better foy my bank balance and the enviroment.3
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Been in online training all day, one on one with course tutor 🤯 so no time to spend anything!NSD 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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 -
One today please @cathybird Thank you I think I am on 21/19 Thank youXX3
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One more for me today.#21 Save £12k in 2025 £24277.35/£200001
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