January 2025 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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Another NSD for me today.#15 Save £12k in 2026 £4500/£120001
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 19/20
bamboo socks 2/10
beanielou 22/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 17/20
Cassingtonbear 4/15
cathybird 14/15
Combenew 10craftingmad 2/16
Crazybee787 17/19
cuddlymarm 15/15
Diane1276 10Dizzycap 21/27
Doris17 16/15
felicityBD15 2/10
Flick85 3/10
Frugalontoast 8/15
Honeysucklelou2 4/10
Jay1 2 13/10
KajiKita 19/20
Lanky larry 9/20
laura lau 13/18
laurenh1 18/20
lilian1977 5/20
LittleMissDetermined 11/16
Louise600 6/10
Makingabobor2 9/15
Money Choices 6/10
Nexgenn 6/10
Nintud 2/8
QueenJess 14/15
Optimistic Saver 14/20
Pauper1 12/20
peacocking 17/25
RupacompSausageroll14 5/20
Saver-upper 12/15
SecondStar 10/15
SerenitySeven 10short bird 13/18
Thriftymissus 19/22
Tjh1412 15/15
try harder 15tryingmybesthonest 22To see the updated results for January on phone or tablet, click here
🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
NSD again today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15MFW 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/£10001 -
Checking in with another NSD today - 14/20 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: £54,048.731 -
I spent on the 17th as expected.
But 19th, 20th, 22nd were NSDs
(Yesterday I bought an ear dropper - I will try to remember where I put it this time as I seem to have to buy a new one every time I have a cold!)Toodle-pip :hello:1 -
17/25 for me
About 35k March 24
<then many hours working, little sleep, much grumbling>
Now:
£13577 Jan 25
£9500 Dec 251 -
Well done with the NSD's everyone
It's another NSD for me 21/27
# 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)3 -
Taking DS1 back to Uni today, which will involve a grocery shop en route. I do include food in my allowed spends at the moment, so should still get an NSD.
I notice I do better if I count grocery shops as spends though - much less 'popping in for a couple of bits' over the month as don't want to lose an NSD - so think I'll review my rules for next month's challenge.#15 Save £12k in 2026 £4500/£120003 -
It's one for me today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60002 -
One for me today. That’s number 19.2
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