We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Joyous January's No-Spend Days Challenge!

Comments

Tjh1412 Posts: 247 Forumite

13 January 2025 at 7:41PM

Another NSD for me today please

1
KajiKita Posts: 9,944 Forumite

13 January 2025 at 9:21PM

NSD Monday here 😊

KK

As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030

Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 of £400 in 2026

Watch your thoughts, they become your words.
Watch your words, they become your actions.
Watch your actions, they become your reality.
1
Pauper1 Posts: 574 Forumite

13 January 2025 at 9:31PM

8/20 for me now. Hopefully same again tomorrow but I think I'll be spending again on Weds 😭

Make £2025 in 2025 #18 - £569.66/£2025
1p savings challenge #32 £24.85/£667.95

March - 0/15 NSD, £189.29/£168.75 made, PAD £72/£186, £184.87/£400 GC

Total debts Jan 1st £11706.68 😭
Jan 29th £11354.92
Mar 1st £11015.30
2
cathybird Posts: 16,496 Forumite

13 January 2025 at 10:00PM edited 14 January 2025 at 6:37PM

January 2025 NSD challenge

Off to a start =

5 days =

10 days =

15 days =

20 days =

Target reached =

Target beaten =

January targets

AuntieL 12/15

bamboo socks 2/10

beanielou 14/19

BestnamesRgone 15

bloomfelt 8/10

Bluefeathers32 10

Caeraugirl 9/20

Cassingtonbear 1/15

cathybird 9/15

Combenew 10

craftingmad 2/16

Crazybee787 11/19

cuddlymarm 9/15

Diane1276 10

Dizzycap 14/27

Doris17 11/15

felicityBD15 2/10

Flick85 3/10

Frugalontoast 5/15

Honeysucklelou2 4/10

Jay1 2 8/10

KajiKita 11/20

Lanky larry 2/20

laura lau 8/18

laurenh1 11/20

lilian1977 5/20

LittleMissDetermined 5/16

Louise600 4/10

Makingabobor2 6/15

Money Choices 2/10

Nexgenn 6/10

Nintud 2/8

QueenJess 10/15

Optimistic Saver 10/20

Pauper1 8/20

peacocking 9/25

Rupacomp

Sausageroll14 5/20

Saver-upper 7/12

SecondStar 15

SerenitySeven 10

short bird 9/18

Thriftymissus 11/22

Tjh1412 9/15

try harder 15

tryingmybesthonest 22

To see the updated results for January, click here

🌞 🌞 Everyone welcome to join! 🌞 🌞

2
Nexgenn Posts: 20 Forumite

14 January 2025 at 12:53AM

6/10 today and I cashed out on my survey apps and mistplay for the week, over £20 and another £20 in Amazon vouchers!

1
Jay1_2 Posts: 161 Forumite

14 January 2025 at 1:53AM

Jay1_2 said:

6th Jan NSD
7th Jan spent
8th Jan NSD

(I'll be spending tomorrow...)

I keep forgetting to post....
9th NSD
10th spent
11th spent
12th NSD
13th NSD

Toodle-pip :hello:

1
Dizzycap Posts: 1,777 Forumite

14 January 2025 at 5:28AM

It's another NSD for me too! Making 14

~ NSD 2026 Challenge April 17/20 (4)
# Spectos/Royal Mail Monitoring 2026 - CMD
# No.12 Save £2 a Day 2026 £243.32 / £730 (4)
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)
# No.19 52 Week Env Challenge 2026 £520 / £1378 (4)
# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)
# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)
# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)
# No.5 Fiver Friday Challenge 2026 £85/£230 (4)
# Make £2026 in 2026 £1886.43 / £2026 (4)
1
beanielou Posts: 99,270 Ambassador

14 January 2025 at 7:37AM

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.
1
Optimistic_Saver Posts: 358 Forumite

14 January 2025 at 9:30AM

Declaring early for today, to keep me on track! So, 10/20 NSDs so far.

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
0
QueenJess Posts: 4,751 Forumite

14 January 2025 at 10:12AM

Declaring a NSD today.

2026 decluttering: 1,099 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 302🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,000
2

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

Categories

All Categories
354.3K Banking & Borrowing
254.4K Reduce Debt & Boost Income
455.4K Spending & Discounts
247.2K Work, Benefits & Business
603.9K Mortgages, Homes & Bills
178.4K Life & Family
261.4K Travel & Transport
1.5M Hobbies & Leisure
16.1K Discuss & Feedback
37.7K Read-Only Boards