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Joyous January's No-Spend Days Challenge!

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Comments

  • Doris17
    Doris17 Posts: 1,003 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    Small spend for me today on fresh veg from the green grocers.( I count food shopping as spend days)

    "My Life Is About The Journey Not The Destination"



  • 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.
  • Thriftymissus
    Thriftymissus Posts: 312 Forumite
    100 Posts First Anniversary Photogenic Name Dropper
    I’m on number 9 today. 

  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 168 Forumite
    100 Posts Name Dropper
    Got £3 off voucher on my dogs food so even cheaper 💪🏻
    #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
  • cathybird
    cathybird Posts: 16,174 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 11 January at 3:33PM
    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 10/19  image  image  image  

    cathybird 7/15  image  image 

    Changeyourlife25 2/10  image 

    cuddlymarm 6/15  image  image 

    Dizzycap 9/20  image  image 

    doingitanyway 3/12  image 

    Doris17 9/15  image  image 

    Honeysucklelou2 2/10   image 

    ilovetea 6/20  image  image 

    InDebtEnby 6/13  image  image 

    KajiKita 9/20  image  image 

    laurenh1 5/18  image  image 

    leftatthetrafficlights 15 

    LittleMissDetermined 7/20  image  image 

    loopylupin 6/10  image  image 

    Mamma2004 5/10  image  image 

    MissMoneyMishap 6/12  image  image 

    NeverendingDMP 1/10  image 

    Pinkpieuni 3/10  image 

    Prodigal50 4/10  image 

    RhiBi 4/10  image 

    RollinginClover 15 

    ShelivesintheShire 9/20   image  image 

    snugglenush 2/10   image 

    SovereigntyQueen 31  

    Tenar15 4/12   image 

    Thriftymissus 9/20  image  image 

    ThriftyPrincess40 10/20  image  image  image  

    VickyA 2 6/15   image  image 

    Wanna Bee Free 6/10   image  image 

    yellowstickerfan 4/15   image 


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


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • Dizzycap
    Dizzycap Posts: 1,497 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    LittleMissDetermined said:
    Not one today, I have decided to go for a potter into town. As I WHF I don't get out much and can spend 4-5 days without going further than walking the dog, so it's nice to be a bit sociable.
    LMD x
    @ LittleMissDetermined - Strangely enough I fancied a potter into town today but decided to potter in the garden instead. I still wished I'd gone out to see a bit more life outside of people in appointments  :/  I'm going to have my eyes tested for a new prescription in town on Tuesday, so I might leave earlier just to have a potter before my appointment, not that I intend to spend any money that day  :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)
  • MissMoneyMishap
    MissMoneyMishap Posts: 70 Forumite
    10 Posts Name Dropper Photogenic
    1 more for me please - 6/12 NSD
    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. 
  • Wanna_Bee_Free
    Wanna_Bee_Free Posts: 2,596 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    NSD 6/10. Not an easy one. My trusty tea thermos cup, water bottle and making a double sandwich got me through. Huzzah!
    https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
    January NSD challenge 12/10
    January AFD challenge 3/14
    2026 Art pass savings £29.50
    2026 Railcard savings £0
  • InDebtEnby
    InDebtEnby Posts: 254 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    One for me
    Current No Spend Challenge: 11/13
    2025 No Spend Days: 11/150
    Bank Loan Original End Date: 08/2030
    Current End Date: 01/2030
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