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Joyous January's No-Spend Days Challenge!

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Comments

  • Tenar15
    Tenar15 Posts: 17 Forumite
    10 Posts Photogenic
    NSD 3/12 for me, please! 
  • Managed another today 😊. Not sure I'll get to 15 with all the Christmas reductions still around though 😂
    7/15 NSDs in January 
  • Oh my word @Dizzycap! What a lucky puppy to have been rescued by you. They are such loving little dogs. Ours will sleep in the back of my cardigan when I work from home for pretty much the whole working day, and every now and then will just poke her head out the top to lick me.

    Ours nearly starved to death in a kennels. She had been weighed by a vet at 4.5kg and the vets observations were that she was a heathy dog and scored the highest on her coat condition.

    We got her 8 days after that, and I've never had a dog before, but could tell she was thin and weak. I sat on the floor when we met her trying not to frighten her, and she crawled into my lap and closed her eyes within seconds and went to sleep. We took her straight to a vet who weighed her at just over 3.3kg and remarked that she was in very poor health, malnourished, worryingly close to starvation.

    We think she was intended to breed as she's a Silver Dappled. We know her previous owner bred designer cats, so we've made that assumption. We reported the kennels obviously.
    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
     
  • KajiKita
    KajiKita Posts: 9,272 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD here today 😊

    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. 
  • cathybird
    cathybird Posts: 16,174 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 8 January at 1:50PM
    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 8/19  image  image 


    cathybird 6/15  image  image 


    Changeyourlife25 2/10  image 


    cuddlymarm 5/15  image  image 


    Dizzycap 7/20  image  image 


    doingitanyway 3/12  image 


    Doris17 7/15  image  image 


    Honeysucklelou2 2/10   image 


    ilovetea 6/20  image  image 


    InDebtEnby 5/13  image  image 


    KajiKita 7/20  image  image 


    laurenh1 4/18  image 


    leftatthetrafficlights 15 


    LittleMissDetermined 5/20  image  image 


    loopylupin 5/10  image  image 


    Mamma2004 3/10  image 


    MissMoneyMishap 5/12  image  image 


    NeverendingDMP 1/10  image 


    Pinkpieuni 3/10  image 


    Prodigal50 4/10  image 


    RhiBi 3/10  image 


    RollinginClover 15 


    ShelivesintheShire 7/20   image  image 


    snugglenush 2/10   image 


    SovereigntyQueen 31  


    Tenar15 3/12   image 


    Thriftymissus 7/20  image  image 


    ThriftyPrincess40 7/20  image  image 


    VickyA 2 4/15   image 


    Wanna Bee Free 4/10   image 


    yellowstickerfan 3/15   image 



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


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • ilovetea
    ilovetea Posts: 1,294 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Another NSD today.  6/20 now.
    Tomorrow will be a spend day as need quite a few bits.  Been good and only ordered what I really need.

            ilovetea  xx
    Make £2026 in 2026 £23-78.
    Declutter 43 items in 2026
    NSD's in Jan. 15/20
  • Dizzycap
    Dizzycap Posts: 1,497 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 8 January at 12:40AM
    A very early call for a 7/20 NSD Thursday  :) This week seems to be zoooooming by  :o:D No sooner do we start the monthly challenge than it's done  :p<3 I'll be halfway by the end of the weekend as no spends planned, but have a medical necessity spend on Monday with hopefully, no more planned for the rest of the month  ;)  
    Spring is looming with all my planted and tubbed bulbs shoot their heads at least an inch above the soil  <3 It gives us all something to hold onto during these cold grey months. February always does my head in!  :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)
  • beanielou
    beanielou Posts: 97,835 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    One today. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • cuddlymarm
    cuddlymarm Posts: 2,294 Forumite
    Part of the Furniture 1,000 Posts
    Good morning 
    One today please making it 5/15 NSDs

    Pay off by Xmas 2026 £175/£2324.67
    January NSDs 9/15
    January PADs £520
    January grocery challenge £92.66/150
  • NSD today 💪🏻🥳
    #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
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