Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Joyous January's No-Spend Days Challenge!
Comments
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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 £1.2
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NSD Tuesday here 😊
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 -
NSD Tuesday 😁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/ £10001 -
January 2026 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 1/18
AuntieL 9/15
beanielou 13/19
cathybird 9/15
Changeyourlife25 2/10
crazybeautiful 12/25
cuddlymarm 7/15
Dizzycap 12/20
doingitanyway 4/12
Doris17 12/15
Honeysucklelou2 3/10
ilovetea 10/20
InDebtEnby 7/13
KajiKita 11/20
laurenh1 8/18
leftatthetrafficlights 15LittleMissDetermined 9/20
loopylupin 7/10
Mamma2004 5/10
MissMoneyMishap 9/12
NeverendingDMP 1/10
Pinkpieuni 4/10
Prodigal50 9/10
RhiBi 4/10
RollinginClover 15ShelivesintheShire 12/20
snugglenush 2/10
SovereigntyQueen 31Teamjarjar 5Tenar15 4/12
Thriftymissus 11/20
ThriftyPrincess40 12/20
VickyA 2 7/15
Wanna Bee Free 8/10
yellowstickerfan 5/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
hiya @Teamjarjar
, definitely not too late, welcome
to our lovely thread! I've added you to the list, hope you enjoy the challenge
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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 x7/15 NSDs in January3
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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 21/3651 -
It's a very early call for a 12/20 NSD Wednsday

# 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)1 -
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 finances2 -
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 /35002
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