January 2026 NSD challenge
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!
Comments
-
One for me today please. Yesterday wasn't one as I took my son for lunch. I don't get the opportunity often so no regrets. Ill pick up dog food today but that comes from my budget. X3
-
It's one for me today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60002 -
Good morning
One for me today please
Pay off by Xmas 2026 £175/£2324.67
January NSDs 9/15
January PADs £520
January grocery challenge £87.56/£1502 -
One for me 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 -
I'm always in it. It's just the depth that varies.Immediate Problem: Overdraft: £752.59 * Paypal £671.07 * Creation £592.74 = £2,016.04Phase 1: Vanquis CC £4100.11 * Tesco CC £3996.60 * Capital One CC £3800 = £11,896.71Phase 2: Zopa Loan: £12,7552
-
One for me today, so 14 now x2
-
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 1/18
AuntieL 10/15
beanielou 14/19
cathybird 11/15
Changeyourlife25 2/10
crazybeautiful 14/25
cuddlymarm 9/15
Dizzycap 13/20
doingitanyway 5/12
Doris17 14/15
Honeysucklelou2 3/10
ilovetea 12/20
InDebtEnby 8/13
KajiKita 11/20
laurenh1 10/18
leftatthetrafficlights 15LittleMissDetermined 11/20
loopylupin 9/10
Mamma2004 5/10
MissMoneyMishap 10/12
NeverendingDMP 1/10
Pinkpieuni 5/10
Prodigal50 9/10
RhiBi 6/10
RollinginClover 15ShelivesintheShire 13/20
snugglenush 2/10
SovereigntyQueen 31Teamjarjar 5Tenar15 6/12
Thriftymissus 14/20
ThriftyPrincess40 14/20
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! 🌞 🌞3 -
Sorry I’ve not posted on here for a few days, I’m logging 2 more NSD’s taking me up to 6.
tomorrow will be a spend day as I’m meeting friends for food, but I should get quite a few in next week!2 -
NSD Friday 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15MFW 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/ £10002 -
2 NSDs. Total now 14/25 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 21/3652
Confirm your email address to Create Threads and Reply
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