January 2026 NSD challenge
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!
Joyous January's No-Spend Days Challenge!
Comments
-
Number 2 for me today please CB xx1
-
It would have been even worse if you hadn’t made the OPs. 😊ThriftyPrincess40 said:NSD today feeling miserable as I made minimum payments end of December and overpayments but my interest amounts for this month have gone up, so I’m back to square one 😢 I’m going to have to reset my signaturesYou have done all the SOA, working out which debt to tackle first, etc etc steps?
It takes a while to build up momentum when tackling debts, but it will come, I promise (I speak from experience) 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 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 -
NSD here 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 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 -
Yeah but companies are refusing any more credit 😫laurenh1 said:
Grr very annoying. Keep at it though 💪 Have you looked to see of any of the debts can be moved to interest free credit cards? XThriftyPrincess40 said:NSD today feeling miserable as I made minimum payments end of December and overpayments but my interest amounts for this month have gone up, so I’m back to square one 😢 I’m going to have to reset my signatures#no 3 Debts off by Xmas 2026 £633.58/£15,250
NSD Jan 17/20
#no 13 365 days 1p challenge 2026
£17.70/£667.95 paid 59/365
#no 2 £2 coin savers challenge 2026 £12
#no 11 SPC 19 £44 banked restart £19.66
2026 PAD challenge £660
1% challenge = 5%
#cc1 200/4100 29%
#cc2 NatWest 210/3400 29%
#cc3 Halifax 60/2150 26%
#cc4. MBNA 80 /5600 0% runs out soon
#loan1 /14000 7.2%
#loan2 /11000 13%
#family loan /3000 0%#solicitors /35002 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 18AuntieL 3/15
beanielou 3/19
cathybird 2/15
Changeyourlife25 2/10
cuddlymarm 2/15
Dizzycap 3/20
doingitanyway 1/12
Doris17 3/15
Honeysucklelou2 10ilovetea 2/20
InDebtEnby 2/13
KajiKita 2/20
laurenh1 2/18
leftatthetrafficlights 15LittleMissDetermined 2/20
loopylupin 2/10
Mamma2004 2/10
MissMoneyMishap 1/12
NeverendingDMP 1/10
Pinkpieuni 2/10
RhiBi 1/10
short bird 18snugglenush 1/10
SovereigntyQueen 31Thriftymissus 20ThriftyPrincess40 3/20
VickyA 2 2/15
Wanna Bee Free 2/10
yellowstickerfan 1/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
KajiKita said:@cathybird, maybe I’m misremembering but I think I asked for a target of 20 for January? 🤔
@KajiKita you did indeed! Very sorry. Now fixed, thanks for letting me know 1 -
@ThriftyPrincess40 that sounds very frustrating! KajiKita & laurenh1 are right though, it's a slog but it will get better (I have also been there). xx1
-
NSD for me, that’s 2/101
-
It helps knowing you guys understand 💕cathybird said:@ThriftyPrincess40 that sounds very frustrating! KajiKita & laurenh1 are right though, it's a slog but it will get better (I have also been there). xx#no 3 Debts off by Xmas 2026 £633.58/£15,250
NSD Jan 17/20
#no 13 365 days 1p challenge 2026
£17.70/£667.95 paid 59/365
#no 2 £2 coin savers challenge 2026 £12
#no 11 SPC 19 £44 banked restart £19.66
2026 PAD challenge £660
1% challenge = 5%
#cc1 200/4100 29%
#cc2 NatWest 210/3400 29%
#cc3 Halifax 60/2150 26%
#cc4. MBNA 80 /5600 0% runs out soon
#loan1 /14000 7.2%
#loan2 /11000 13%
#family loan /3000 0%#solicitors /35004 -
@cathybird please can I join, I’ll go for 10, I’ve an NSD today,1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.2K Banking & Borrowing
- 254K Reduce Debt & Boost Income
- 454.9K Spending & Discounts
- 246.3K Work, Benefits & Business
- 602.5K Mortgages, Homes & Bills
- 177.9K Life & Family
- 260.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards