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

Wanna_Bee_Free Posts: 2,596 Forumite

16 January at 7:29PM

NSD Friday. First ever NSD target achieved - 10/10 :-)

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 £0
4
loopylupin Posts: 17 Forumite

16 January at 7:45PM

Woohoo! NSD for me and hit my target. That’s 10/10 for me.

Thank you @cathybird this has been a great challenge. It’s kept me for focussed and I’ve finally got there! So pleased

4
InDebtEnby Posts: 254 Forumite

16 January at 8:07PM

Another one for me. I got the craft box out yesterday so I have something to occupy myself

Current No Spend Challenge: 11/13
2025 No Spend Days: 11/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/2030
3
beanielou Posts: 97,834 Ambassador

16 January at 8:21PM

One yesterday and one today
Not counting the £50 quid taxi home from A & E.

I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.
2
AuntieL Posts: 477 Forumite

16 January at 9:00PM

Wanna_Bee_Free said:

NSD Friday. First ever NSD target achieved - 10/10 :-)

Well done @Wanna_Bee_Free. It’s a great feeling 🤩

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
1
AuntieL Posts: 477 Forumite

16 January at 9:04PM

Well done @loopylupin 🤩

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
2
ilovetea Posts: 1,294 Forumite

16 January at 9:15PM

NSD number 13 for me today.

ilovetea xx

Make £2026 in 2026 £23-78.
Declutter 43 items in 2026
NSD's in Jan. 15/20
2
cathybird Posts: 16,174 Forumite

16 January at 9:57PM edited 16 January at 10:01PM

Wanna_Bee_Free said:

NSD Friday. First ever NSD target achieved - 10/10 :-)

loopylupin said:

Woohoo! NSD for me and hit my target. That’s 10/10 for me.

Yay @Wanna_Bee_Free and @loopylupin, well done on reaching target

2
cathybird Posts: 16,174 Forumite

16 January at 9:57PM edited 16 January at 10:02PM

January 2026 NSD challenge

Off to a start =

5 days =

10 days =

15 days =

20 days =

Target reached =

Target beaten =

January targets

32b3in2013 1/18

AuntieL 10/15

beanielou 16/19

cathybird 12/15

Changeyourlife25 2/10

crazybeautiful 14/25

cuddlymarm 9/15

Dizzycap 13/20

doingitanyway 5/12

Doris17 14/15

Honeysucklelou2 3/10

ilovetea 13/20

InDebtEnby 9/13

KajiKita 13/20

laurenh1 10/18

leftatthetrafficlights 15

LittleMissDetermined 11/20

loopylupin 10/10

Mamma2004 5/10

MissMoneyMishap 10/12

NeverendingDMP 1/10

Pinkpieuni 5/10

Prodigal50 9/10

RhiBi 6/10

RollinginClover 15

ShelivesintheShire 13/20

snugglenush 2/10

SovereigntyQueen 31

Teamjarjar 5

Tenar15 6/12

Thriftymissus 14/20

ThriftyPrincess40 14/20

VickyA 2 7/15

Wanna Bee Free 10/10

yellowstickerfan 6/15

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

🌞 🌞 Newcomers welcome! 🌞 🌞

1
KajiKita Posts: 9,272 Forumite

16 January at 9:59PM

Ooh, forgot to check in yesterday! 2 more NSDs 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.
2

★ ★ ★ Meet your Ambassadors

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