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Joyous January's No-Spend Days Challenge!
Comments
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hi there @ShelivesintheShire
and welcome
to our lovely thread! I've added you to the list, hope you enjoy the challenge
0
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January 2026 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 1/18
AuntieL 5/15
beanielou 5/19
cathybird 5/15
Changeyourlife25 2/10
cuddlymarm 3/15
Dizzycap 4/20
doingitanyway 2/12
Doris17 5/15
Honeysucklelou2 1/10
ilovetea 2/20
InDebtEnby 3/13
KajiKita 5/20
laurenh1 3/18
leftatthetrafficlights 15LittleMissDetermined 4/20
loopylupin 4/10
Mamma2004 2/10
MissMoneyMishap 1/12
NeverendingDMP 1/10
Pinkpieuni 3/10
Prodigal50 3/10
RhiBi 2/10
RollinginClover 15ShelivesintheShire 20snugglenush 2/10
SovereigntyQueen 31Thriftymissus 5/20
ThriftyPrincess40 5/20
VickyA 2 4/15
Wanna Bee Free 3/10
yellowstickerfan 2/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
2/10 for me please @cathybird1
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NSD Monday 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 -
Another NSD for me1
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Staying at 4/20 - Spendy day as medical necessity. NSD tomorrow as I'm back on rest & bed rest which is handy as who really wants to have to go out in the freezing cold and snow?
# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (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)# No.5 Fiver Friday Challenge 2026 £25/£230 (1)# Make £2026 in 2026 £787.42 / £2026 (1)1 -
NSD Monday 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £92,396.89 (10years 4months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £44.43/ £10001 -
Too many tempting Christmas reductions today 😜😂7/15 NSDs in January1
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@Dizzycap it's up to you but if your only spend was on health issues that gave you no choice, and there wasn't any unnecessary spending, I'd rate that an NSD. xxDizzycap said:Staying at 4/20 - Spendy day as medical necessity. NSD tomorrow as I'm back on rest & bed rest which is handy as who really wants to have to go out in the freezing cold and snow? 2 -
@ cathybird - I'm happy to keep it as a spendy day because I decided to do another online stock up food/necessity shop for the rest of the month at 10pm tonight, so I can hopefully have no further spends other than the once a week for this and maybe next months medical necessity which I have chosen to have, as it is really helping me xxxxcathybird said:
@Dizzycap it's up to you but if your only spend was on health issues that gave you no choice, and there wasn't any unnecessary spending, I'd rate that an NSD. xxDizzycap said:Staying at 4/20 - Spendy day as medical necessity. NSD tomorrow as I'm back on rest & bed rest which is handy as who really wants to have to go out in the freezing cold and snow?# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (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)# No.5 Fiver Friday Challenge 2026 £25/£230 (1)# Make £2026 in 2026 £787.42 / £2026 (1)2
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