January no spend thread

[ivykaty44]

Come and join us if you want a simple no spend month

The aim is to just spend on supermarket shop & fuel (Direct debits first bills)

No spending on anything else till February. The idea being it gives your purse & bank balance a rest after December & take stock of mindless spending

When my D.C. were younger doing extra curriculum activities, I had worked out how much it all cost per month, including one of annual circuit fees. Then I put that money into the bills account every payday.

Then just used the bills account to pay - this stopped January & September being expensive months ( most annual fees were needed then) and I jyst treated it like another bill.

Good idea. I do account for the money when budgeting but should move it to a separate account.

Had to go to the supermarket to pick up some extras (as expected), took a small list and stuck to it, no extras added. Came to £12.

Went to Newlook and bought a new blazer that I needed for work and an upcoming funeral. It was on sale reduced from £30 to £11 and should get a fair amount of wear. Not really an impulse buy as I've needed one for a while.

However, I did managed to resist stopping at Costa which I count as a win

Ok so I’m back on track today & have been cooking a lovely roast dinner. Not now going for a coffee and am having a no spend day

Anyone else having a no spend day?

Yep no spend day here too I've had a busy day of cooking and lots of (long overdue) vacuuming today.

I went to a 50% off shoe sale.
Tried on some lovely animal print boots.

And walked away (not in the boots) :)

No spend day here.
A day reading snuggled up with my dog. Ds has been out on his bike and dh has been packing for a work trip.

I have £30 drawn out for the week.
Treated husband yesterday with £40 so would like it to be as low as possible to balance out this week.
Overall its not going too bad.

@savethecat you must have enormous resolve! Hats off to you. I am doing well on non-essentials, but house move has led to some big ticket items. But casual spending on food/drinks/snacks has been curtailed!

There were pretty cute too. It felt odd to walk out of the store with nothing.

Had a big birthday to celebrate in the family this weekend so back to a no send day today.

I don't plan to do a food shop this week as we have loads in the cupboard and freezer.

Well done @savethecat 👍

No spend day today, plus I opened one of our loose change money pots this evening which had £140 in it which will go straight on the credit cards

I’ve missed a few days but all no spends.

Still getting into the swing of things here but doing quite well. Have had a few complete no spend days and my spends have just been due to lack of planning/organisation, which I am rectifying, and have all been on necessities such as dog food.

Not a no spend day today... but managed to save some money.

I had a hair cut and conditioning treatment and my gel nails removed which came to £23. My friend is a mobile beautician and hairdresser so it's a good chance to catch up and cheaper than going to a salon. Plus she painted my nails for free using one of my own nail polishes. However, I waxed my own eyebrows so saved £5! I have a pretty low maintenance beauty regime, but still need to look smart for work.

Dh and I had an "orange reward" each on our Nandos cards, so got dinner for free and took home to eat. Also picked up a free McDonald's milkshake each on the way home with the McDonald's app (there's a daily offer each day of January and today was a free milkshake, no purchase necessary).

Tomorrow will be a no spend day.

Another no spend day but need to get a yoga mat tomorrow as I’m ruining my knees.

I had a Starbucks today as a payday treat with a Lidl almond croissant. I often end up with rubbish pub or leisure centre coffees so it was nice to purposely go there and enjoy a well earned treat. That’s my splurge over and done with now back to more no spend days.

I've been following this thread with interest. I also need to seriously curtail my unnecessary spending (books, clothes, nail varnishes, fancy coffees ) as we are hoping to move house in 2021 and I'm permanently in my overdraft.
I have been really good and not spent on anything other than the usual direct debits since 9th Jan. I've done one supermarket shop, which involved a strict meal plan/list and I stuck to it!
I've been in low level debt for most of my adult life and this year somehow feels different to me, like I can actually be free of debt and even maybe have a small cushion of emergency money in my savings account.
Good luck to us all

I bought a £2.75 tshirt from the charity shop this morninh! It wasa DC retro batman and my son would love it . Damn.

So I’ve been good all week, supermarket shopping on Sunday and haven’t spent since
But today I’ve been to savers and stocked up on shampoo x2 shower cream x 3, toothpaste x 4 & deodorant x 2 hand soap gel x2 also got more loo roll 18 pack and it was £16 so 14 items for £16

Toothpaste was 69p instead of £1.50 in supermarket that’s why I got 4 😛

But it’ll last a while and cheaper than supermarket

Of to London tomorrow as a treat we’re having afternoon tea but that’s all paid for and the train. So we’ve got a free walking tour planned and the British museum - probably spend on a coffee and croissant though

Have a great day @ivykaty44

Thanks - I plan to 😊
There are many free attractions in London, meaning low spends

Have a lovely time!

Ok

Lovely time yesterday

Can recommend free self guided walking tours, that was great
British museum was also free
We mouthed round borough market was free, plenty of samples
We purchased two drinks
Afternoon tea amazing & beautiful boxes to take home leftovers

Supermarket shopping today, a cheap shop and using store cupboard foods this week

It’s 19 days in and just 11 days to go

Bank balance looking good