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Joyous January's No-Spend Days Challenge!

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Comments

  • MissMoneyMishap
    MissMoneyMishap Posts: 70 Forumite
    10 Posts Name Dropper Photogenic
    Everyone seems to be racking up NSDs so fast! I've been away for a few days, but even so...

    NSD 4/12 for me please  o:)
    I'm always in it. It's just the depth that varies.

    Immediate Problem: Overdraft: £752.59 * Paypal £671.07 * Creation £592.74 = £2,016.04
    Phase 1: Vanquis CC £4100.11 * Tesco CC £3996.60 * Capital One CC £3800 = £11,896.71
    Phase 2: Zopa Loan: £12,755
     
  • Dizzycap
    Dizzycap Posts: 1,497 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 6 January at 2:30PM
    It's a 5/20 NSD Tuesday here! Finally finished repairing / upcycling and putting away the outside Chrissy decorations. All ready and prepared for Christmas :D It's far too cold to go out for me and I'm sick of the sight of useless non-peroshable gifts; not that I'm ungrateful, which I've now re-gifted, bagged, tagged, and stored ready for Christmas - That's the Chrissy gift NS shopping done!   :D  :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)
  • cathybird
    cathybird Posts: 16,174 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 6 January at 9:48PM
    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 1/18  image 

    AuntieL 6/15  image  image 

    beanielou 6/19  image  image 

    cathybird 5/15  image  image 

    Changeyourlife25 2/10  image 

    cuddlymarm 4/15  image 

    Dizzycap 5/20  image  image 

    doingitanyway 2/12  image 

    Doris17 6/15  image  image 

    Honeysucklelou2 1/10   image 

    ilovetea 5/20  image  image 

    InDebtEnby 4/13  image 

    KajiKita 6/20  image  image 

    laurenh1 3/18  image 

    leftatthetrafficlights 15 

    LittleMissDetermined 4/20  image 

    loopylupin 5/10  image  image 

    Mamma2004 2/10  image 

    MissMoneyMishap 4/12  image 

    NeverendingDMP 1/10  image 

    Pinkpieuni 3/10  image 

    Prodigal50 4/10  image 

    RhiBi 2/10  image 

    RollinginClover 15 

    ShelivesintheShire 6/20   image  image 

    snugglenush 2/10   image 

    SovereigntyQueen 31  

    Tenar15 2/12   image 

    Thriftymissus 6/20  image  image 

    ThriftyPrincess40 6/20  image  image 

    VickyA 2 4/15   image 

    Wanna Bee Free 4/10   image 

    yellowstickerfan 2/15   image 


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


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • cathybird
    cathybird Posts: 16,174 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @Wanna_Bee_Free that's definitely an NSD, I've added it to the list xxx :)
  • Prodigal50
    Prodigal50 Posts: 130 Forumite
    100 Posts Second Anniversary Name Dropper
    Up to 4/10 :-)
    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

  • AuntieL
    AuntieL Posts: 477 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    NSD Tuesday 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    January 2026 NSD Challenge 5/15

    MFW 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/ £1000
  • KajiKita
    KajiKita Posts: 9,272 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD here 😊

    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. 
  • loopylupin
    loopylupin Posts: 17 Forumite
    Fifth Anniversary 10 Posts Name Dropper Photogenic
    Another NSD for me, a day working at home so no temptations. 

  • Tenar15
    Tenar15 Posts: 17 Forumite
    10 Posts Photogenic
    Hello all, a bit belated, but I'd love to join again after a spendy finish to the year. I'm aiming for 12 NSDs this month and have had my second today - 2/12 for me!
  • ilovetea
    ilovetea Posts: 1,294 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Had a few NSDs since I last posted .Up to 5 now.  :)
    Make £2026 in 2026 £23-78.
    Declutter 43 items in 2026
    NSD's in Jan. 15/20
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