January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
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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 #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
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 27/20bamboo socks 2/10beanielou 30/19BestnamesRgone 15bloomfelt 8/10Bluefeathers32 10Caeraugirl 23/20Cassingtonbear 10/15cathybird 21/15Combenew 10craftingmad 2/16Crazybee787 22/19cuddlymarm 18/15Diane1276 10Dizzycap 28/27Doris17 18/15felicityBD15 2/10Flick85 3/10Frugalontoast 8/15Honeysucklelou2 4/10Jay1 2 15/10KajiKita 26/20Lanky larry 9/20laura lau 20/18laurenh1 23/20lilian1977 5/20LittleMissDetermined 17/16Louise600 11/10Makingabobor2 14/15Money Choices 9/10Nexgenn 6/10Nintud 2/8Optimistic Saver 20/20Pauper1 20/20peacocking 18/25QueenJess 19/15Sausageroll14 5/20Saver-upper 14/15SecondStar 17/15SerenitySeven 10short bird 18/18Thriftymissus 24/22Tjh1412 18/15To see the updated results for January on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞2
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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 👑 5001 -
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 £28,744....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
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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-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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