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Joyous January's No-Spend Days Challenge!

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Comments

  • Doris17
    Doris17 Posts: 1,050 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    NSD for me please. 3/15

    "My Life Is About The Journey Not The Destination"



  • Makingabobor2
    Makingabobor2 Posts: 4,705 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Declaring NSD number 2 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,764....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  

    Challenges

    EF  £1600/3000
    .

    Studies/surveys April.....£54.22

    Decluttering items 1402/    2025.  195/2026
    Books read    23 in 2025.  2026- 10 (target is 52)  
    Jigsaws done  20 in 2025.  3 this year. 

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


  • Sausageroll14
    Sausageroll14 Posts: 69 Forumite
    Eighth Anniversary 10 Posts Photogenic Name Dropper
    Sadly no NSD for me today or tomorrow. 
  • AuntieL
    AuntieL Posts: 502 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic
    NSD #3 for me today 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    April 2026 NSD Challenge 0/15

    MFW 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/£1000
  • Caeraugirl
    Caeraugirl Posts: 606 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    NSDs 2 & 3 for me for yesterday and today.
    #15 Save £12k in 2026 £4500/£12000


  • Tryingmybesthonest
    Tryingmybesthonest Posts: 8 Forumite
    Sixth Anniversary Photogenic First Post
    Hello 
    im going for 22 🤞
  • cathybird
    cathybird Posts: 16,494 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 3 January 2025 at 11:27PM
    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 3/15  image

    bamboo socks 1/10  image

    beanielou 3/19  image

    BestnamesRgone 15 

    bloomfelt 2/10  image

    Bluefeathers32 10 

    Caeraugirl 3/20  image

    Cassingtonbear 15 

    cathybird 2/15  image

    Combenew 10 

    Crazybee 2/19  image

    cuddlymarm 2/15  image

    Dizzycap 27 

    Doris17 3/15  image

    felicityBD15 1/10  image

    Honeysucklelou2 1/10  image

    Janeryan  

    KajiKita 3/20  image

    laura lau 1/18  image

    laurenh1 3/20  image

    lilian1977 1/20   image

    LittleMissDetermined 2/16  image

    Louise600 1/10  image

    Makingabobor2 2/15  image

    Nexgenn 1/10  image

    QueenJess 1/15  image

    Optimistic Saver 3/15  image

    Pauper1 1/20  image

    Rupacomp  

    Sausageroll14 2/20  image

    SecondStar 15 

    SerenitySeven 10 

    short bird 1/18   image

    Tjh1412 2/15  image

    try harder 15 

    tryingmybesthonest 22 


    To see the updated results for January, click here :)


    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • cathybird
    cathybird Posts: 16,494 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi Nexgenn image and tryingmybesthonest image and welcome image to our lovely thread! It's definitely not too late to join image I've added you to the list, best of luck with the challenge! image
  • Optimistic_Saver
    Optimistic_Saver Posts: 357 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    NSD #3 for me today 😁
    Thanks @cathybird
    March 26:
    MBNA 6,130 - 0% Feb 28
    HAL 10,125.91 - 0% Jul 27
    BL 320 - Ends Jul 26
    Total: 16,575.91 less 7,000 Marcus savings = 9,575.91
    ⬇️ to pay down by Oct 27

    NSD March 15/22
    Make 2026 in 2026:
    173.01/2,026
    Vinted, YouGov, Bank Int & Fairer Share, Prolific, Quidco, Cheddar & SnapMyEats

    Savings accounts:
    Co-op 273.01/3,000
    Principality 600/1,200
    FD 2,000/2,000
    Santander Saver 400/2,400
    Lloyds 800/4,800
    Cahoot 50/3,000
    Invest 349.93
    🏆 ⬆️ Total: £4,472.94

    Mortgage: £54,048.73
  • CrazyBee787
    CrazyBee787 Posts: 1,770 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    Not today...I got a cheeky take out...first in a while though! Thanks @cathybird

    Goals for 2026: -

    1. Save £4000 EF
    2. Save for a holiday if possible as well (secondry)
    3. No spends days 15+
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