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!

1…89111314…41

Comments

  • KajiKita
    KajiKita Posts: 9,272 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    cathybird said:
    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 :):)
    Thank you 😊

    KK
    As 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. 
  • yellowstickerfan
    yellowstickerfan Posts: 44 Forumite
    Fourth Anniversary 10 Posts Photogenic
    Another NSD for me today 😊. Well done everyone!
    7/15 NSDs in January 
  • VickyA_2
    VickyA_2 Posts: 4,651 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Day 3 and a third NSD! 3/15
    Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 #18 £2021.83 declared
  • Thriftymissus
    Thriftymissus Posts: 311 Forumite
    100 Posts First Anniversary Photogenic Name Dropper
    NSD number 3 for me today x 
  • cathybird
    cathybird Posts: 16,174 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi there @RhiBi image, good to see you here and welcome image I've added you to the list, hope you enjoy the challenge image
  • cathybird
    cathybird Posts: 16,174 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 4 January at 2:12PM
    January 2026 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


    32b3in2013 18 

    AuntieL 3/15  image 

    beanielou 3/19  image 

    cathybird 3/15  image 

    Changeyourlife25 2/10  image 

    cuddlymarm 2/15  image 

    Dizzycap 4/20  image 

    doingitanyway 1/12  image 

    Doris17 3/15  image 

    Honeysucklelou2 10  

    ilovetea 2/20  image 

    InDebtEnby 2/13  image 

    KajiKita 2/20  image 

    laurenh1 2/18  image 

    leftatthetrafficlights 15 

    LittleMissDetermined 2/20  image 

    loopylupin 2/10  image 

    Mamma2004 2/10  image 

    MissMoneyMishap 1/12  image 

    NeverendingDMP 1/10  image 

    Pinkpieuni 2/10  image 

    Prodigal50 3/10  image 

    RhiBi 1/10  image 

    short bird 18  

    snugglenush 1/10   image 

    SovereigntyQueen 31  

    Thriftymissus 3/20  image 

    ThriftyPrincess40 4/20  image 

    VickyA 2 3/15   image 

    Wanna Bee Free 3/10   image 

    yellowstickerfan 2/15   image 


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


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • Dizzycap
    Dizzycap Posts: 1,497 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    It's a 4/20 absolutely freezing NSD S-S-Sunday here  :#:o I will be hibernating all day  :D
    ~ NSD 2026 Challenge January 17/20 (1)
    # No.12 Save £2 a Day 2026 £60.83 / £730 (1)
    # No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)
    # No.19 52 Week Env Challenge 2026 £130 / £1378 (1)
    # No.4 Save £12k in 2026  £2454.88 / £12,000 (1)
    # No.4 £2 Savers Club 2026 - 25/12 - 24/10 £30 / £200 (1)
    # No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)
    # Make £2026 in 2026 £787.42 / £2026 (1)
  • Wanna_Bee_Free
    Wanna_Bee_Free Posts: 2,596 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    NSD number 3 for me today I hope. Spendy but enjoyable Saturday yesterday. 
    https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
    January NSD challenge 12/10
    January AFD challenge 3/14
    2026 Art pass savings £29.50
    2026 Railcard savings £0
  • Prodigal50
    Prodigal50 Posts: 130 Forumite
    100 Posts Second Anniversary Name Dropper
    Could I please join? 

    3/10 done already :-)
    Jan 2022
    Owed approx 70,000 in consumer debt

    Dec 2024/Dec 2025
    Loan 1 4750/0
    Loan 2 10690/0
    Card 1 10764/6378
    Card 2  5674/3564
    Card 3 5158/3532
    Card 4 0/10785
    Total 37036/24274

    Emergency Fund 0/2000

    2022 Over 70k debt. Time to change!
    2022-25 Paying off debt. 
    2025 Cash lump sum used to pay down debt quicker than hoped. 
    2025+???? Stay happy and in control of my finances

  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 167 Forumite
    100 Posts Name Dropper
    NSD today, a lot of walking to save petrol! 
    #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 /3500
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

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

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture