📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Joyous January's No-Spend Days Challenge!

Options
15556575860

Comments

  • 2 more to add for me this week, I will aim for 18 in February please
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    Last NSD for January for me! :) 
    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
  • Saver-upper
    Saver-upper Posts: 2,348 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I hope everyone is keeping well. Thank you cathy- bird for all your work on this thread.

    So far I have had another 2 NSDs since I last posted, which brings total to 14. I need to buy milk, which is an allowed spend for me, so I still may reach my goal of 15 for January. Will confirm later.
    Talk about down to the wire 🤣
    SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £301,Valued Opinions £10.50





  • short_bird
    short_bird Posts: 4,016 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Phew, just made it to day 18.
    Congratulations, all!
    ‘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.
  • beanielou
    beanielou Posts: 95,544 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
     It is not one today. Out with the girls tonight. 
    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.
  • cathybird
    cathybird Posts: 15,639 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not one for me either, had a few things to sort out, bought a book while I was about it. :)
  • cathybird
    cathybird Posts: 15,639 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 31 January at 10:04PM
    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 27/20  image  image  image  image  image  image  image 


    bamboo socks 2/10  image


    beanielou 30/19  image  image  image  image  image  image  image 


    BestnamesRgone 15 


    bloomfelt 8/10  image  image


    Bluefeathers32 10 


    Caeraugirl 23/20  image  image  image  image  image  image  image 


    Cassingtonbear 10/15  image  image  image 


    cathybird 21/15  image  image  image  image  image  image  image 


    Combenew 10 


    craftingmad 2/16  image


    Crazybee787 22/19  image  image  image  image  image  image  image 


    cuddlymarm 18/15  image  image  image  image  image  image 


    Diane1276 10 


    Dizzycap 28/27  image  image  image  image  image  image  image 


    Doris17 18/15  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 15/10  image  image  image  image  image  image 


    KajiKita 26/20  image  image  image  image  image  image  image 


    Lanky larry 9/20  image  image 


    laura lau 20/18  image  image  image  image  image  image  image 


    laurenh1 23/20  image  image  image  image  image  image  image 


    lilian1977 5/20   image  image


    LittleMissDetermined 17/16  image  image  image  image  image  image 


    Louise600 11/10  image  image  image  image  image 


    Makingabobor2 14/15  image  image  image 


    Money Choices 9/10  image  image


    Nexgenn 6/10  image  image


    Nintud 2/8  image


    Optimistic Saver 20/20  image  image  image  image  image  image 


    Pauper1 20/20  image  image  image  image  image  image 


    peacocking 18/25  image  image  image  image 


    QueenJess 19/15  image  image  image  image  image  image 


    Sausageroll14 5/20  image  image


    Saver-upper 14/15  image  image  image


    SecondStar 17/15  image  image  image  image 


    SerenitySeven 10 


    short bird 18/18   image  image  image  image  image 


    Thriftymissus 24/22   image  image  image  image  image  image  image 


    Tjh1412 18/15  image  image  image  image  image  image 



    To see the updated results for January on phone or tablet, click here :)


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • QueenJess
    QueenJess Posts: 4,494 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Not one today for me. Thought I might hit 20 there for a while, but decided to buy more balloons for DS’s party tomorrow. See everyone next month!
    2025 decluttering: 3,766🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
    2025 use up challenge: 317🥉🥈🥇💎🏆
    Big kitchen declutter challenge 95/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • Makingabobor2
    Makingabobor2 Posts: 4,212 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    one today. didn't quite make it, but ended up on 14/15
    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  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Louise600
    Louise600 Posts: 54 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    1 surprise NSD today. I expected to spend money!
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.