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Joyous January's No-Spend Days Challenge!

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Comments

  • cathybird
    cathybird Posts: 16,519 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 28 January at 11:13AM

    Can everyone pls tell me whether you are having any problems viewing the emojis on this link. I can see them when I look at them on different browsers so hopefully they are visible to everyone. :)

  • cuddlymarm
    cuddlymarm Posts: 2,322 Forumite
    Part of the Furniture 1,000 Posts

    Hi guys

    One today for me please making my total 14/15


    Pay off by Xmas 2026 £175/£2324.67
    February NSDs 6/15
    February PADs £55
    February grocery challenge £67.42/£200
  • Wanna_Bee_Free
    Wanna_Bee_Free Posts: 2,751 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    Unlikely to be one for me today.

    Cathybird on my ipad I can see the emojis in the link but none of them are moving.

    https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
    April NSD challenge 12/10
    April AFD challenge 6/14
  • beanielou
    beanielou Posts: 99,360 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!

    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*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • laurenh1
    laurenh1 Posts: 1,133 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper

    One for today please :)

  • Doris17
    Doris17 Posts: 1,050 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    NSD for me please 24/20


    "My Life Is About The Journey Not The Destination"



  • laurenh1
    laurenh1 Posts: 1,133 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper

    Money savers I would appreciate your thought on my finances. I currently have a few savings pots in which I put £100 Xmas, £250 holidays, £200 spends for treats (this would over spending money for holidays) £200 for my car, and general savings of £400 a month. This is quite a recent thing and I probably have about 2k in savings altogether. Id Love to have a savings pot for a rainy day of about 10k , to cover boiler, cars etc. (the current car pot is to cover insurance etc) However if its leaving us quite tight every month and with about £60 a week for groceries as a family of 4. I am considering lowering my general savings to £250 p/m. I realise this is a really personal thing but any advice would be welcome :)

  • cathybird
    cathybird Posts: 16,519 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    January NSD totals updated here :) :)

  • Wanna_Bee_Free
    Wanna_Bee_Free Posts: 2,751 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    Change of plans as I'm not feeling up to going out tonight. 19/10 please Cathybird.

    https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
    April NSD challenge 12/10
    April AFD challenge 6/14
  • Wanna_Bee_Free
    Wanna_Bee_Free Posts: 2,751 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    Lauren I think I would be tempted to try with £100 more instead of £150 and try putting £300 into general savings instead of £250. Whichever approach you take I'd be tempted to tell myself it's a 3 month trial to take the pressure off and then you can review end of April and see how you feel with more information. Are you stealing back savings for anything that should really be planned seperately in the budget? I am still adding budget categories myself. I have called my savings Emergency Fund rather than General Savings as I'm worred about it turning into a general fritter money away pot! Good luck with it anyway!

    https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
    April NSD challenge 12/10
    April AFD challenge 6/14
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