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Joyous January's No-Spend Days Challenge!

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Comments

  • laurenh1
    laurenh1 Posts: 1,073 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    A spendy day today. My craft class is having their Christmas social and it was only mentioned last night that it is a secret Santa as well. Managed to get some nice Thornton's chocs in the coop reduced from £12.50 to £3. I got another box for the lady who runs the class. Happy with what I have got for the budget. We are also playing bingo which is £1. 
  • KajiKita
    KajiKita Posts: 9,272 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD Tuesday here 😊

    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. 
  • AuntieL
    AuntieL Posts: 477 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    NSD Tuesday 😁
    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
  • cathybird
    cathybird Posts: 16,174 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 14 January at 4:09PM
    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 9/15  image  image 


    beanielou 13/19  image  image  image  


    cathybird 9/15  image  image 


    Changeyourlife25 2/10  image 


    crazybeautiful 12/25  image  image 


    cuddlymarm 7/15  image  image 


    Dizzycap 12/20  image  image  image  


    doingitanyway 4/12  image 


    Doris17 12/15  image  image  image  


    Honeysucklelou2 3/10   image 


    ilovetea 10/20  image  image  image  


    InDebtEnby 7/13  image  image 


    KajiKita 11/20  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 9/12  image  image 


    NeverendingDMP 1/10  image 


    Pinkpieuni 4/10  image 


    Prodigal50 9/10  image  image 


    RhiBi 4/10  image 


    RollinginClover 15 


    ShelivesintheShire 12/20   image  image  image  


    snugglenush 2/10   image 


    SovereigntyQueen 31  


    Teamjarjar 5  


    Tenar15 4/12   image 


    Thriftymissus 11/20  image  image  image  


    ThriftyPrincess40 12/20  image  image  image  


    VickyA 2 7/15   image  image 


    Wanna Bee Free 8/10   image  image 


    yellowstickerfan 5/15   image  image 



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


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • cathybird
    cathybird Posts: 16,174 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hiya @Teamjarjar image, definitely not too late, welcome to our lovely thread! I've added you to the list, hope you enjoy the challenge image
  • Finally got another one!! That's 5/15 so I'm cutting it fine. But on the days I have spent it's been on things that will save me money in the long run so I'm still feeling positive x
    7/15 NSDs in January 
  • crazybeautiful
    crazybeautiful Posts: 29 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    edited 18 January at 6:44PM
    Another 2 NSDs, so I'm at 12/25 now. 
    Make £2026 in 2026 Current total £20
    Save £1 per book read in 2026 Current total £2

    Emergency fund Current total £90.60/£500

    Pay off by Xmas 2026 Current total left £1119/£1300

    January 2026 NSDs 16/25

    Decluttering 365 items 21/365
  • Dizzycap
    Dizzycap Posts: 1,497 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    It's a very early call for a 12/20 NSD Wednsday  <3: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)
  • Prodigal50
    Prodigal50 Posts: 130 Forumite
    100 Posts Second Anniversary Name Dropper
    Another 3 NSD done 👍 
    Jan 2022
    Owed approx 70,000 in consumer debt

    Dec 2024/Dec 2025
    Loan 1 4750/0
    Loan 2 10690/0
    Card 1 10764/6378
    Card 2  5674/3564
    Card 3 5158/3532
    Card 4 0/10785
    Total 37036/24274

    Emergency Fund 0/2000

    2022 Over 70k debt. Time to change!
    2022-25 Paying off debt. 
    2025 Cash lump sum used to pay down debt quicker than hoped. 
    2025+???? Stay happy and in control of my finances

  • Spend day 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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