January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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Not today - Take out - Much needed!2
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5
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 26/20
bamboo socks 2/10
beanielou 29/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 21/20
Cassingtonbear 10/15
cathybird 20/15
Combenew 10craftingmad 2/16
Crazybee787 21/19
cuddlymarm 18/15
Diane1276 10Dizzycap 27/27
Doris17 18/15
felicityBD15 2/10
Flick85 3/10
Frugalontoast 8/15
Honeysucklelou2 4/10
Jay1 2 14/10
KajiKita 25/20
Lanky larry 9/20
laura lau 18/18
laurenh1 23/20
lilian1977 5/20
LittleMissDetermined 15/16
Louise600 9/10
Makingabobor2 12/15
Money Choices 9/10
Nexgenn 6/10
Nintud 2/8
Optimistic Saver 19/20
Pauper1 19/20
peacocking 18/25
QueenJess 18/15
Sausageroll14 5/20
Saver-upper 12/15
SecondStar 17/15
SerenitySeven 10short bird 17/18
Thriftymissus 22/22
Tjh1412 18/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
February targetsAuntieL 18bamboo socksbeanielou 19BestnamesRgonebloomfeltBluefeathers32Caeraugirl 20Cassingtonbear 10cathybird 15CombenewcraftingmadCrazyBee787 19cuddlymarm 15Diane1276Dizzycap 20Doris17 12felicityBD15Flick85FrugalontoastHoneysucklelou2 10Jay1 2 12KajiKita 20Lanky Larrylaura lau 18laurenh 18Lillian1977LittleMissDetermined 16Louise600 10Makingabobor2 15Money ChoicesNexgennNintudOptimistic Saver 20PalmTreeOne 20Pauper1 20peacockingQueenJess 15RupacompSausageroll14Saver-upperSecondStar 15SerenitySevenshort bird 18Thriftymissus 22Tjh1412 15try hardertryingmybesthonest🌞 🌞 Everyone welcome to join! 🌞 🌞2
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NSD today and I believe I’ve reached my target! 😁😁😁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 43.5/665 -
NSD Wednesday here 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
NSD today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10001 -
Another NSD for me today. I think you already have my standard 15 days set for Feb

2026 decluttering: 1,120 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 317🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0002 -
Declaring an absolute NSD today 27/27

Target Met by the skin of my teeth
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1934.27 / £2026 (4)3 -
10/15 another one for me. Eating at my in-laws house today. Putting a string of NSDs together now. So easy when takeouts are shut for a few days! I basically don't buy anything else haha.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%.2
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