January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 14/15
bamboo socks 2/10beanielou 16/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 11/20
Cassingtonbear 3/15
cathybird 11/15
Combenew 10craftingmad 2/16Crazybee787 13/19
cuddlymarm 11/15
Diane1276 10Dizzycap 15/27
Doris17 13/15
felicityBD15 2/10Flick85 3/10Frugalontoast 7/15
Honeysucklelou2 4/10Jay1 2 10/10
KajiKita 13/20
Lanky larry 2/20laura lau 8/18
laurenh1 14/20
lilian1977 5/20
LittleMissDetermined 5/16
Louise600 4/10Makingabobor2 6/15
Money Choices 2/10Nexgenn 6/10
Nintud 2/8QueenJess 11/15
Optimistic Saver 11/20
Pauper1 10/20
peacocking 12/25
RupacompSausageroll14 5/20
Saver-upper 7/12
SecondStar 15SerenitySeven 10short bird 10/18
Thriftymissus 13/22
Tjh1412 11/15
try harder 15tryingmybesthonest 22To see the updated results for January, click here
🌞 🌞 Everyone welcome to join! 🌞 🌞2 -
It's definately a NSD for me today No.15 , and most probably the rest of the week. I'll count each NSD as it arrives in case baby pouch has a medical or medication need xx
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (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 -
Not today - spent late last night after declaring for yesterday.KKAs 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 -
Planning for 10/20 today 🙌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 £11015.301 -
Good morning guys
Another one for me today please, making 11/15
Have a good day guys
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001 -
11/20 NSD for me today, @cathybird, as I will be working and out of harm’s way. 😁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: £54,048.731 -
11/20 NSD for me today, @cathybird, as I will be working and out of harm’s way. 😁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: £54,048.731 -
I’m due to spend today at a family meal today so hope to be back on it tomorrow, will aim to have the cheapest thing on the menu!1
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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 -
another one today please xx1
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