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Fabulous February's No-Spend Days Challenge!

Welcome to Fabulous February's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change your mindset because you get out of the habit of frittering money away and start automatically holding off from spending instead. It also helps you delay purchases, which in turn means you lose interest in a lot of things you might otherwise impulse buy.

Another good thing with this challenge is we're all in it together, and people will help you on bad days and cheer you on on good days, and the support and accountability can really help make it easier to keep going with it. And if all else fails, there's always next month

To join, just post the number of no-spend days (NSDs) you're aiming for in February and you are on your way!

Tips for the challenge:
1. It's totally up to you but if you've never done the challenge before, it's probably simpler to start with a goal of 10 or (at most) 15.

2. It is fine to exclude necessary expenses eg petrol, groceries, pet food, etc, when it comes to deciding what is and isn't an NSD. It is also completely fine to exclude automated or recurring payments such as bills, mortgage or direct debits.

3. It does help to post every time you notch up an NSD, or at least every two or three days ... it's easy to lose track! If you want to keep track of your NSDs in your MSE signature, that can be really motivating too

4. It also helps to bookmark the thread, it's much easier to find.

5. NSDs are trickier than they seem and easily derailed. It can work better if you notch up as many days as you can in the first half of the month, or think of the month in thirds so if you're aiming for 10 NSDs, try to do 4 days in the first 10, 3 in the second and 3 in the third. And if you feel that you're falling behind, there's no shame in changing your target! Sometimes life just gets in the way, and the challenge should be fun, not a grind.

February

Off to a start = image

5 days = image

10 days = image

15 days = image

20 days = image

Target reached = image

Target beaten = image


To see the updated results for February, click here :)
«13456751

Comments

  • cathybird
    cathybird Posts: 15,185 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 31 January at 8:56PM
    February targets

    AuntieL 18
    bamboo socks
    beanielou 19
    BestnamesRgone
    birdsfoottrefoil 10
    bloomfelt
    Bluefeathers32
    Caeraugirl 20
    Cassingtonbear 10
    cathybird 15
    Combenew
    craftingmad
    CrazyBee787 19
    cuddlymarm 15
    Diane1276
    Dizzycap 20
    Doris17 12
    felicityBD15
    Flick85
    Frugalontoast
    GeorgianaCavendish 8
    Honeysucklelou2 10
    Jay1 2 12
    KajiKita 20
    Lanky Larry
    laura lau 18
    laurenh 18
    Lillian1977
    LittleMissDetermined 16
    Louise600 10
    Makingabobor2 15
    Money Choices
    Nexgenn
    Nintud
    Optimistic Saver 20
    PalmTreeOne 20
    Pauper1 20
    peacocking
    Pinkpieuni 10
    QueenJess 15
    Rupacomp
    Sausageroll14
    Saver-upper
    SecondStar 15
    SerenitySeven
    short bird 18
    Thriftymissus 22
    Tjh1412 15
    try harder
    tryingmybesthonest



    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • Hi,

    Please can I join? A target of 10.

    thanks!
    14.05.2014 Total unsecured debt £15,360.99
    20.06.2024 Total unsecured debt £15,087.29
    29.07.24 Total - £15,681
    12.09.24 - £16,187 oops…..
    Oct 24 - £18,325
    Nov 24 - £18,185
    Dec 24 - £18,131
    Jan 25 -£18,347
  • cathybird
    cathybird Posts: 15,185 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi birdsfoottrefoil image and welcome image to our lovely thread! I've added you to the list, best of luck with the challenge! image
  • OK, let's try this again  :) I'm going to go for 8 NSDs in February please
  • cathybird
    cathybird Posts: 15,185 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Georgiana, welcome back :smiley: and good to see you here! I've added you to the list :):)
  • Dizzycap
    Dizzycap Posts: 627 Forumite
    500 Posts Photogenic Debt-free and Proud! First Anniversary
    edited 30 January at 10:02PM
    @ birdsfoottrefoil - Nice to have a newbie.
    @ GeorgianaCavendish - Nice to have a returnie .
    Who would want to miss these NSD achievement gifs for February?
    - :D:D<3<3
    :D:D<3

    Love 'um :D -  Not expecting a spend day tomorrow so may pip an extra gif but I'm more eager to get to grips with February and achieving the dancing monster :D
    ~ NSD 2025 - NSD March 14/20 💸🧘🏻🌞
    # No.36 Make £2025 in 2025 £2913.93 / £2025 (131%) 💰🤑⭐️💯🥇
    # No.27 Save 1p A Day 2025 £262.29 / £667.95 💰💰💰
    # No.12 Save £2 a Day 2025 2025: £347.50 / £730 💰💰💰
    # No.34 Save £12k in 2025 £7423.18 / £12,000 💰💰💰
    # No.19 52 Week Env Challenge £1045.23 / £1,378 💰💰💰
    ~ Save on Essential Household Expenses 2025: £3310.53 / £3000 💰💯🥇
    ~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺
    ~ Decluttering Awards 2025: ☕️☕️🏅🏅☕️☕️☕️⭐️☕️🤣
  • I’m going to knuckle down, tighten my financial belt and keep everything crossed for a successful No Spend February! 😁🤞
    Debt free journey (from Jan 25)
    £4,419.92 - £4,300.70
    £4,538 - £4,400
    BL £1,900 - £1,520.98
    Total: £12,182.91 - £10,221.68
    🏆 ⬇️ by £1,961.23

    NSD March 10/22
    #58 1p: £41.02/667.95 - 90/365
    #18 52: £518.51/1,378 11/52
    #32 £2025: £572.19/2,025
    #20 12k: £1,531.72/5,000

    Vin £86.50
    YG YL £50
    Prol SB £283.99
    Bank £69.33
    Quid £25.03
    Ched £44.35
    Sprive £21.25
    Snap £10

    FD £1,200
    Monzo £1,131.72/£4,070.95
    TSB £200/£2,600
    Prin £200/£1,224.74
    🏆 ⬆️ Total: £2,731.72

    Trading: £935.08
    Mortgage: £60,637.20
  • Dizzycap
    Dizzycap Posts: 627 Forumite
    500 Posts Photogenic Debt-free and Proud! First Anniversary
    edited 31 January at 7:37PM
    @ Optimistic_Saver - We can ALL do it :p Let's nail NSD February :Do:)<3
    I'm aiming for 20 but hoping for a full month of NO spending, but I have to give some leeway for any baby-face emergency, which I hope & pray won't happen <3
    ~ NSD 2025 - NSD March 14/20 💸🧘🏻🌞
    # No.36 Make £2025 in 2025 £2913.93 / £2025 (131%) 💰🤑⭐️💯🥇
    # No.27 Save 1p A Day 2025 £262.29 / £667.95 💰💰💰
    # No.12 Save £2 a Day 2025 2025: £347.50 / £730 💰💰💰
    # No.34 Save £12k in 2025 £7423.18 / £12,000 💰💰💰
    # No.19 52 Week Env Challenge £1045.23 / £1,378 💰💰💰
    ~ Save on Essential Household Expenses 2025: £3310.53 / £3000 💰💯🥇
    ~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺
    ~ Decluttering Awards 2025: ☕️☕️🏅🏅☕️☕️☕️⭐️☕️🤣
  • Pinkpieuni
    Pinkpieuni Posts: 47 Forumite
    10 Posts Photogenic
    Can I join please? 10 NSD pushing myself to save and pay off debt as much as I can whilst still employed. I hope to keep myself in check with the NSDs and eventually be frugal. 

    Challenges

    Pay off all your debts by Christmas 2025 #7 £1,326/£6,500 (CC -  0% to June 2026)

    52 Week Envelope Saving Challenge #11 £291.5/£1,378 -(11/52)

    The Save £12k in 2025 challenge #4 £7,435/£30,500

    2025 Mortgage-Free Wannabes #61 £7,424/£38,000

    Mortgage Jan 2025 £75,600- current bal £67,088.79 Target 16 months to MF (Jun 26).


  • cathybird
    cathybird Posts: 15,185 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi @pinkpieuni image and welcome image to our lovely thread! I've added you to the list, best of luck with the challenge! image
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