January 2026 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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NSD 3/12 for me, please!2
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Managed another today 😊. Not sure I'll get to 15 with all the Christmas reductions still around though 😂7/15 NSDs in January2
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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 = £2,016.04Phase 1: Vanquis CC £4100.11 * Tesco CC £3996.60 * Capital One CC £3800 = £11,896.71Phase 2: Zopa Loan: £12,7552 -
NSD here today 😊
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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 1/18
AuntieL 6/15
beanielou 8/19
cathybird 6/15
Changeyourlife25 2/10
cuddlymarm 5/15
Dizzycap 7/20
doingitanyway 3/12
Doris17 7/15
Honeysucklelou2 2/10
ilovetea 6/20
InDebtEnby 5/13
KajiKita 7/20
laurenh1 4/18
leftatthetrafficlights 15LittleMissDetermined 5/20
loopylupin 5/10
Mamma2004 3/10
MissMoneyMishap 5/12
NeverendingDMP 1/10
Pinkpieuni 3/10
Prodigal50 4/10
RhiBi 3/10
RollinginClover 15ShelivesintheShire 7/20
snugglenush 2/10
SovereigntyQueen 31Tenar15 3/12
Thriftymissus 7/20
ThriftyPrincess40 7/20
VickyA 2 4/15
Wanna Bee Free 4/10
yellowstickerfan 3/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
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 xxMake £2026 in 2026 £23-78.
Declutter 43 items in 2026
NSD's in Jan. 15/202 -
A very early call for a 7/20 NSD Thursday
This week seems to be zoooooming by 
No sooner do we start the monthly challenge than it's done 
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
It gives us all something to hold onto during these cold grey months. February always does my head in!
# 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 -
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.2 -
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 £92.66/1502 -
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 /35002
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