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Joyous January's No-Spend Days Challenge!
Comments
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Good morning
One for me today making it 8/15 NSDs. Yesterday was very spendy with summer hol booked ( but 10% off and a voucher made it a little bit less) The 10% offer finished this weekend so deposit paid.
Keep warm and well guys
Pay off by Xmas 2026 £175/£2324.67
January NSDs 9/15
January PADs £520
January grocery challenge £87.56/£1502 -
Early call for today - 9/10 please Cathybird. I might hit my first target tomorrow - feeling excited!
Even though yesterday was a spend day on a much-needed haircut I managed to go into the supermarket and just buy a loaf of bread. I was ridiculously proud of myself. I love this thread, thank you everyone, especially the lovely Cathybird.
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 £02 -
Another early call NSD 💪🏻#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 /35001 -
That’s good willpower 💪🏻💕 well done!Wanna_Bee_Free said:Early call for today - 9/10 please Cathybird. I might hit my first target tomorrow - feeling excited!
Even though yesterday was a spend day on a much-needed haircut I managed to go into the supermarket and just buy a loaf of bread. I was ridiculously proud of myself. I love this thread, thank you everyone, especially the lovely Cathybird.#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 -
NSD for me please.14/15
"My Life Is About The Journey Not The Destination"1 -
NSD for me today, at home today. I was tempted to order a food shop delivery but checked freezer and cupboards and have created a menu that will give me a few more meals yet. No spending needed.
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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 14/19
cathybird 11/15
Changeyourlife25 2/10
crazybeautiful 12/25
cuddlymarm 8/15
Dizzycap 13/20
doingitanyway 5/12
Doris17 14/15
Honeysucklelou2 3/10
ilovetea 12/20
InDebtEnby 8/13
KajiKita 11/20
laurenh1 9/18
leftatthetrafficlights 15LittleMissDetermined 10/20
loopylupin 9/10
Mamma2004 5/10
MissMoneyMishap 9/12
NeverendingDMP 1/10
Pinkpieuni 5/10
Prodigal50 9/10
RhiBi 4/10
RollinginClover 15ShelivesintheShire 13/20
snugglenush 2/10
SovereigntyQueen 31Teamjarjar 5Tenar15 6/12
Thriftymissus 13/20
ThriftyPrincess40 13/20
VickyA 2 7/15
Wanna Bee Free 9/10
yellowstickerfan 6/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
5/12 please @cathybirdIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20250 -
Another one today
12 NSD's now.
ilovetea xx
Make £2026 in 2026 £23-78.
Declutter 43 items in 2026
NSD's in Jan. 15/201
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