January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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2 more to add for me this week, I will aim for 18 in February please
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60001 -
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 43.5/662 -
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 £10.502 -
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.3 -
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.2 -
Not one for me either, had a few things to sort out, bought a book while I was about it. 2
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 27/20
bamboo socks 2/10beanielou 30/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 23/20
Cassingtonbear 10/15
cathybird 21/15
Combenew 10craftingmad 2/16Crazybee787 22/19
cuddlymarm 18/15
Diane1276 10Dizzycap 28/27
Doris17 18/15
felicityBD15 2/10Flick85 3/10Frugalontoast 8/15
Honeysucklelou2 4/10Jay1 2 15/10
KajiKita 26/20
Lanky larry 9/20
laura lau 20/18
laurenh1 23/20
lilian1977 5/20
LittleMissDetermined 17/16
Louise600 11/10
Makingabobor2 14/15
Money Choices 9/10
Nexgenn 6/10
Nintud 2/8Optimistic Saver 20/20
Pauper1 20/20
peacocking 18/25
QueenJess 19/15
Sausageroll14 5/20
Saver-upper 14/15
SecondStar 17/15
SerenitySeven 10short bird 18/18
Thriftymissus 24/22
Tjh1412 18/15
To see the updated results for January on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞2 -
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: 5,378 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 473🥉🥈🥇💎🏆Big kitchen declutter challenge 139/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001
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one today. didn't quite make it, but ended up on 14/15Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £850/£3000
.
Studies/surveys November £0
Decluttering items 1382/2025
Books read 20
Jigsaws done 18
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
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 £15975.482
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