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
-
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
February targetsAuntieL 15bamboo socksbeanielou 19BestnamesRgonebloomfeltBluefeathers32Caeraugirl 20Cassingtonbear 10cathybird 15CombenewcraftingmadCrazyBee787 19cuddlymarm 15Diane1276Dizzycap 20Doris17 12felicityBD15Flick85FrugalontoastHoneysucklelou2 10Jay1 2 12KajiKita 20Lanky Larrylaura lau 18laurenh 18Lillian1977LittleMissDetermined 16Louise600 10Makingabobor2 15Money ChoicesNexgennNintudOptimistic Saver 20Pauper1peacockingQueenJess 15RupacompSausageroll14Saver-upperSecondStar 15SerenitySevenshort bird 18Thriftymissus 22Tjh1412 15try hardertryingmybesthonest🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Hi @cathybird please can I have 20/19 Thank you, and I would like to stay on 19 target for Feb Thanks.2
-
One today pleaseMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £630/3000
.
Studies/surveys April.....£131.34
Decluttering items 1402/2025. 195/2026
Books read 23 in 2025. 2026- 11 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
@cathybird can I have a target of 18 for February please? I am going to spend a few days at my mum's house to help her pack for her move, and I am aiming to have to days full spend-free, so hopefully I will be able to spend a bit less next month.
Today was not a NSD day, so I am not reaching my target yet, as I had hoped! I'll try again on Wednesday!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/661 -
My new NSD target for Feb is 20
- it might be a bit of a stretch in a 28-day month, but I’m gonna give it my best shot!Jan NSDs so far: 18/20March 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: £54,048.732 -
Another NSD 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 -
Spent today.
I think I'll put my NSD target up to 12 days in February (it did cross my mind to add two more days every month but that would mean 32 NSDs in December!).
Thank you for all the tracking you do.Toodle-pip :hello:2 -
Hi I’ll do an 10 target again for February please xCar 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 £15975.480 -
NSD Monday.20 for February please 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- 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 28 books of target 52 in 2026 as @ 23rd 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.2 -
Going to try for 15 again in Feb. I know its a short month, but I am determined to give it my best shotMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £630/3000
.
Studies/surveys April.....£131.34
Decluttering items 1402/2025. 195/2026
Books read 23 in 2025. 2026- 11 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards