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Joyous January's No-Spend Days Challenge!

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Comments

  • KajiKita
    KajiKita Posts: 9,272 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Not today - Mr KK broke our can opener again 🙄 and that’s not something we can do without for long …

    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. 
  • Tenar15
    Tenar15 Posts: 17 Forumite
    10 Posts Photogenic
    Forgot to check in yesterday, but it was a NSD and one today, too - 6/12 🥳
  • Pinkpieuni
    Pinkpieuni Posts: 216 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    Nsd tomorrow, Im going to resist the 60 cent tea machine in work.

    Challenges

    NSD - January  - 7/10

    1. 2026 Mortgage-Free Wannabes #61 £1,129 /£29,000, MF target May 2026, current mortgage balance - £28,756

    mortgage @ Jan 2025 - £75,600

    2. Loan  - Jan 2026 £1,029.22 - bal £0- fully paid 

    3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)

  • One more today 😊 6/15 so far 
    7/15 NSDs in January 
  • Spent today. Birthday gift for my mum plus some chocolate for me that wasn't on my grocery list. Feeling positive as so far I've only spent on bills and groceries except for 2 birthday gifts. 
    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
  • cathybird
    cathybird Posts: 16,174 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 15 January at 4:57PM
    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 14/19  image  image  image  


    cathybird 10/15  image  image  image  


    Changeyourlife25 2/10  image 


    crazybeautiful 12/25  image  image 


    cuddlymarm 7/15  image  image 


    Dizzycap 13/20  image  image  image  


    doingitanyway 4/12  image 


    Doris17 13/15  image  image  image  


    Honeysucklelou2 3/10   image 


    ilovetea 11/20  image  image  image  


    InDebtEnby 8/13  image  image 


    KajiKita 11/20  image  image  image  


    laurenh1 9/18  image  image 


    leftatthetrafficlights 15 


    LittleMissDetermined 10/20  image  image  image  


    loopylupin 8/10  image  image 


    Mamma2004 5/10  image  image 


    MissMoneyMishap 9/12  image  image 


    NeverendingDMP 1/10  image 


    Pinkpieuni 5/10  image  image 


    Prodigal50 9/10  image  image 


    RhiBi 4/10  image 


    RollinginClover 15 


    ShelivesintheShire 13/20   image  image  image  


    snugglenush 2/10   image 


    SovereigntyQueen 31  


    Teamjarjar 5  


    Tenar15 6/12   image  image 


    Thriftymissus 13/20  image  image  image  


    ThriftyPrincess40 12/20  image  image  image  


    VickyA 2 7/15   image  image 


    Wanna Bee Free 8/10   image  image 


    yellowstickerfan 6/15   image  image 



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


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • InDebtEnby
    InDebtEnby Posts: 254 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    Another 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
  • Thriftymissus
    Thriftymissus Posts: 311 Forumite
    100 Posts First Anniversary Photogenic Name Dropper
    13/20 here. Grocery shopping done from budgeted Monzo pot. 
    I must admit to finding it hard, but I am learning to exercise my 'you do not need it ' muscle. So many times I have been on the brink of ordering something ( a tartan scarf for Burns Night on Vinted, or a book from World of Books) then I remember my pledge to not buy clothes and read all the books I own (I borrowed a tartan scarf from a friend in the end!)
    Love this @ShelivesintheShire

    i said to myself I wouldn’t buy any new clothes last year.

    i got to about October and genuinely needed a new coat and shoes. Bought both from charity shops. I was very proud of myself. Total was £7.50 and I get compliments about both too 🤩


  • Thriftymissus
    Thriftymissus Posts: 311 Forumite
    100 Posts First Anniversary Photogenic Name Dropper
    edited 15 January at 1:23AM
    Very very early day 13.

    have managed to avoid shops yesterday and rather than go today, I’ve items to pick up for free from Olio this morning.

    6 large free range eggs use by 31 January 
    4 cup cakes, best before yesterday
    6 Scotch rolls, best before yesterday
    Utterly Butterly spread best before January 
    2 packets x 4 scones, best before today 
    4 Country Slices best before tomorrow 

    boom! 


    Have a great day all x 
  • Dizzycap
    Dizzycap Posts: 1,497 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    It's a very early call for a 13/20 NSD Thursday  ;) Have a great NSD all  <3
    ~ 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)
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