We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Joyous January's No-Spend Days Challenge!

1…2627293132…42

Comments

  • loopylupin
    loopylupin Posts: 17 Forumite
    Fifth Anniversary 10 Posts Name Dropper Photogenic
    Morning 

    an early call on a NSD for Monday! Working at home so no temptation for me. Staying away from my shopping apps. 

    Think that’s 7/10 for me.


  • Thriftymissus
    Thriftymissus Posts: 312 Forumite
    100 Posts First Anniversary Photogenic Name Dropper
    Number 10 for me today. Just had a little walk to pick up an item on Olio so feeling a bit virtuous. 
  • laurenh1
    laurenh1 Posts: 1,073 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    One for today please x
  • Doris17
    Doris17 Posts: 1,003 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    NSD for me please 11/15.

    "My Life Is About The Journey Not The Destination"



  • MissMoneyMishap
    MissMoneyMishap Posts: 70 Forumite
    10 Posts Name Dropper Photogenic
    Now 8/12 NSDs!  o:)o:)o:)

    Thanks @cathybird
     <3 
    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
     
  • cathybird
    cathybird Posts: 16,174 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 12 January at 10:53PM
    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 8/15  image  image 

    beanielou 12/19  image  image  image  

    cathybird 9/15  image  image 

    Changeyourlife25 2/10  image 

    crazybeautiful 10/25  image  image 

    cuddlymarm 7/15  image  image 

    Dizzycap 10/20  image  image  image  

    doingitanyway 3/12  image 

    Doris17 11/15  image  image  image  

    Honeysucklelou2 3/10   image 

    ilovetea 10/20  image  image  image  

    InDebtEnby 7/13  image  image 

    KajiKita 10/20  image  image  image  

    laurenh1 8/18  image  image 

    leftatthetrafficlights 15 

    LittleMissDetermined 9/20  image  image 

    loopylupin 7/10  image  image 

    Mamma2004 5/10  image  image 

    MissMoneyMishap 8/12  image  image 

    NeverendingDMP 1/10  image 

    Pinkpieuni 4/10  image 

    Prodigal50 6/10  image  image 

    RhiBi 4/10  image 

    RollinginClover 15 

    ShelivesintheShire 11/20   image  image  image  

    snugglenush 2/10   image 

    SovereigntyQueen 31  

    Tenar15 4/12   image 

    Thriftymissus 10/20  image  image  image  

    ThriftyPrincess40 11/20  image  image  image  

    VickyA 2 7/15   image  image 

    Wanna Bee Free 8/10   image  image 

    yellowstickerfan 4/15   image 


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


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • AuntieL
    AuntieL Posts: 477 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    Not today as I had to pay for a car repair. Thankfully it’s all fixed now 😁
    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
  • ilovetea
    ilovetea Posts: 1,294 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Haven't posted for a few days but my diary says I'm up to 10 NSD.
    It would have been 11 but I needed seed for the wild birds.

      ilovetea  xx

    Make £2026 in 2026 £23-78.
    Declutter 43 items in 2026
    NSD's in Jan. 15/20
  • ShelivesintheShire
    ShelivesintheShire Posts: 33 Forumite
    10 Posts Name Dropper Photogenic
    NSD 11/20 today. I did a tip and charity shop run and went to my WI meeting.
  • KajiKita
    KajiKita Posts: 9,272 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Not one today - had the landscaper in to help me restructure the veggie patch a bit. 

    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. 
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.2K Banking & Borrowing
  • 254K Reduce Debt & Boost Income
  • 454.9K Spending & Discounts
  • 246.3K Work, Benefits & Business
  • 602.5K Mortgages, Homes & Bills
  • 177.9K Life & Family
  • 260.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture