January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
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Another NSD for me today, however we did put in the final offer paperwork for new house so that will be a very spendy day to come if all accepted2025 in 2025- 2027/2025
365 savings challenge- £41.12/667.953 -
Day 2 for me today please Cathybird :-)January NSD8/101
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Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 2/15bamboo socks 1/10beanielou 3/19BestnamesRgone 15bloomfelt 2/10Bluefeathers32 10Caeraugirl 1/20Cassingtonbear 15cathybird 2/15Combenew 10Crazybee 2/19cuddlymarm 2/15Dizzycap 27Doris17 2/15felicityBD15 1/10Honeysucklelou2 1/10HotDog2020JaneryanKajiKita 3/20laura lau 1/18laurenh1 3/20lilian1977 1/20LittleMissDetermined 2/16Louise600 1/10Makingabobor2 1/15Nexgenn 1/10QueenJess 1/15Optimistic Saver 2/15Pauper1 1/20RupacompSausageroll14 2/20SecondStar 15SerenitySeven 10short bird 1/18Tjh1412 2/15try harder 15To see the updated results for January, click here🌞 🌞 Everyone welcome to join! 🌞 🌞2
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Hello. 1st NSD today for me. It took some effort . I didn’t realise how often I nip to the Co-op or buy something from Amazon. This challenge will do me good!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 £15975.484 -
Lost this thread yesterday!One for yesterday and one for today 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 -
Still at 1/10 - found a free activity to take the kids to and met friends there, but we went to the cafe next door afterwards to talk and let the kids play. Ah well, it was good for their minds and bodies to socialise and run about!2
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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.1 -
Too late to join? I didn't realise this was even a thing, I spent yesterday doing random budget stuff and decided to track my no spend days, then saw this thread! I didn't spend anything yesterday so hopefully I can count that? 10 is my target, 9 more to go!3
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NSD number 3 here please CB. I have just got back from town, but I only bought groceries so they will come from my grocery budget x1
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no NSD yesterday or today, as tonight we are going out for dinner with DS, so I am still on day 1.
Tomorrow I only have my volunteering and then dinner at some friends' house, we do have a nice bottle of wine to bring already in the house, so I am hoping to resume my non-spending adventure tomorrow!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 43.5/661
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