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Joyous January's No-Spend Days Challenge!

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Comments

  • Mamma2004
    Mamma2004 Posts: 114 Forumite
    100 Posts Name Dropper Photogenic
    edited 8 January at 5:20PM
    If we just buy food, is it a NSD?

    (I have a food budget set aside for each month so it is always separate) 
  • beanielou
    beanielou Posts: 99,263 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Mamma2004 said:
    If we just buy food, is it a NSD?

    (I have a food budget set aside for each month so it is always separate) 
    Yes. As long as you aren’t buying smoked salmon & caviar! 
    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*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • loopylupin
    loopylupin Posts: 60 Forumite
    Fifth Anniversary 10 Posts Name Dropper Photogenic
    Hi 

    another NSD for me today! No spend Thursday! 

    Yesterday was not, was out at an appointment and grabbed a coffee. 
  • cathybird
    cathybird Posts: 16,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @Mamma2004 yes that's right, what @beanielou said, basic/budgeted groceries don't have to count. xx :)
  • cathybird
    cathybird Posts: 16,496 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 9 January at 3:40PM
    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 7/15  image  image 

    beanielou 9/19  image  image 

    cathybird 6/15  image  image 

    Changeyourlife25 2/10  image 

    cuddlymarm 5/15  image  image 

    Dizzycap 8/20  image  image 

    doingitanyway 3/12  image 

    Doris17 8/15  image  image 

    Honeysucklelou2 2/10   image 

    ilovetea 6/20  image  image 

    InDebtEnby 5/13  image  image 

    KajiKita 7/20  image  image 

    laurenh1 5/18  image  image 

    leftatthetrafficlights 15 

    LittleMissDetermined 7/20  image  image 

    loopylupin 6/10  image  image 

    Mamma2004 3/10  image 

    MissMoneyMishap 5/12  image  image 

    NeverendingDMP 1/10  image 

    Pinkpieuni 3/10  image 

    Prodigal50 4/10  image 

    RhiBi 4/10  image 

    RollinginClover 15 

    ShelivesintheShire 8/20   image  image 

    snugglenush 2/10   image 

    SovereigntyQueen 31  

    Tenar15 3/12   image 

    Thriftymissus 8/20  image  image 

    ThriftyPrincess40 8/20  image  image 

    VickyA 2 5/15   image  image 

    Wanna Bee Free 5/10   image  image 

    yellowstickerfan 3/15   image 


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


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • Dizzycap
    Dizzycap Posts: 1,774 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 9 January at 1:39AM
    Well done everyone with the NSD's  ;)
    A very early call for an 8/20 NSD Friday and it's just started snowing, so definately won't be venturing out today  :D 
    ~ NSD 2026 Challenge April 16/20 (4)
    # No.12 Save £2 a Day 2026 £243.32 / £730 (4)
    # No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)
    # No.19 52 Week Env Challenge 2026 £520 / £1378 (4)
    # No.4 Save £12k in 2026  £6,234.25 / £12,000 (4)
    # No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)
    # No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)
    # Make £2026 in 2026 £1886.43 / £2026 (4)
  • beanielou
    beanielou Posts: 99,263 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*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • Wanna_Bee_Free
    Wanna_Bee_Free Posts: 2,742 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    one yesterday :)
    https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
    April NSD challenge 6/10
    April AFD challenge 5/14
  • LittleMissDetermined
    LittleMissDetermined Posts: 10,566 Forumite
    Part of the Furniture 10,000 Posts Debt-free and Proud! Photogenic
    It's one today
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017
    EF £1000/£1000 | Sabbatical £4685/£6000
  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 327 Forumite
    100 Posts Name Dropper
    NSD today 💪🏻
    #no 3 Debts off by Xmas 2026 £2175/£15,250
    NSD March 14/22 NSD April 8/22
    #no 13 365 days 1p challenge 2026 90/365
    £40.95/£667.95 
    #no 2 £2 coin savers challenge 2026 £24
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £2175
    1% challenge = 14.2%

    #cc1 700/4100 29%
    #cc2 NatWest 600/3400 29%
    #cc3 Halifax 390/2150 26%
    #cc4. MBNA 485/5600 0% runs out soon
    #loan1 1300/14000  7.2%
    #loan2 858/11000 13%
    #family loan /4000 0%
    #solicitors /8000

    Crisis fund 320/500
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