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Joyous January's No-Spend Days Challenge!

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Comments

  • Hello. 1 NSD today for me please. Thank you  :)
    Car loan £8105.35 57/60 payments left of £141.80 per month 
    Loan £6687.23 55/58 payments left of £165 per month
    Nationwide £1183 (0% interest until 02/2026)

    Total debt £15975.48
  • CrazyBee787
    CrazyBee787 Posts: 1,772 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    16/19 Please @cathybird Thank you

    Goals for 2026: -

    1. Save £4000 EF
    2. Save for a holiday if possible as well (secondry)
    3. No spends days 15+
  • cuddlymarm
    cuddlymarm Posts: 2,322 Forumite
    Part of the Furniture 1,000 Posts
    Another one for me please, making my total 14/15 
    Thanks

    Pay off by Xmas 2026 £175/£2324.67
    February NSDs 6/15
    February PADs £55
    February grocery challenge £67.42/£200
  • AuntieL
    AuntieL Posts: 502 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic
    Another NSD 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
  • Another for me today.
    #15 Save £12k in 2026 £4500/£12000


  • 8/15 NSD- bloody hell, it’s surprisingly hard this isn’t it? 😬
  • KajiKita
    KajiKita Posts: 9,944 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    NSD Monday here 😊

    8/15 NSD- bloody hell, it’s surprisingly hard this isn’t it? 😬
    It’s about building new habits which inevitably takes time, but you’re doing okay at 8/15 by this stage of the month 😊 You have 7 more NSDs to find in 11 days of the month. There’s a good chance you’ll do it and if not, you can always try again next month 😊
    Love your name btw 😊

    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. 
  • cathybird
    cathybird Posts: 16,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @Frugalontoast what @KajiKita said - it does get easier over time! xx
  • cathybird
    cathybird Posts: 16,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 21 January 2025 at 5:12PM
    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 17/20  image  image  image  image


    bamboo socks 2/10  image


    beanielou 20/19  image  image  image  image  image  image  image 


    BestnamesRgone 15 


    bloomfelt 8/10  image  image


    Bluefeathers32 10 


    Caeraugirl 14/20  image  image  image


    Cassingtonbear 3/15  image 


    cathybird 14/15  image  image  image


    Combenew 10 


    craftingmad 2/16  image


    Crazybee787 16/19  image  image  image  image


    cuddlymarm 14/15  image  image  image


    Diane1276 10 


    Dizzycap 19/27  image  image  image  image


    Doris17 14/15  image  image  image


    felicityBD15 2/10  image


    Flick85 3/10  image


    Frugalontoast 8/15  image  image


    Honeysucklelou2 4/10  image


    Jay1 2 10/10  image  image  image  image


    KajiKita 17/20  image  image  image  image 


    Lanky larry 9/20  image  image 


    laura lau 11/18  image  image  image


    laurenh1 17/20  image  image  image  image


    lilian1977 5/20   image  image


    LittleMissDetermined 9/16  image  image


    Louise600 6/10  image  image


    Makingabobor2 8/15  image  image


    Money Choices 6/10  image  image


    Nexgenn 6/10  image  image


    Nintud 2/8  image


    QueenJess 12/15  image  image  image


    Optimistic Saver 13/20  image  image  image


    Pauper1 12/20  image  image  image


    peacocking 14/25  image  image  image


    Rupacomp  


    Sausageroll14 5/20  image  image


    Saver-upper 12/15  image  image  image


    SecondStar 10/15  image  image  image


    SerenitySeven 10 


    short bird 12/18   image  image  image


    Thriftymissus 16/22   image  image  image  image


    Tjh1412 14/15  image  image  image


    try harder 15 


    tryingmybesthonest 22 



    To see the updated results for January on phone or tablet, click here :)


    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • Dizzycap
    Dizzycap Posts: 1,777 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 21 January 2025 at 4:08AM
    It's definately a NSD for me. Bed rest & bank card re-frozen in the banking app. Total 19 and the maracas are getting closer :D
    ~ NSD 2026 Challenge April 17/20 (4)
    # 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)
    # Make £2026 in 2026 £1886.43 / £2026 (4)
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