January 2026 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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An exceedingly early call for a 14/20 NSD Saturday. Not expecting any intentional spends over the week end and not going anywhere; including online, to be tempted
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1886.43 / £2026 (4)1 -
NSD Saturday for me x#no 3 Debts off by Xmas 2026 £2175/£15,250
NSD March 14/22 NSD April 8/22
#no 13 365 days 1p challenge 2026 90/365
£40.95/£667.95
#no 2 £2 coin savers challenge 2026 £24
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £2175
1% challenge = 14.2%
#cc1 700/4100 29%
#cc2 NatWest 600/3400 29%
#cc3 Halifax 390/2150 26%
#cc4. MBNA 485/5600 0% runs out soon
#loan1 1300/14000 7.2%
#loan2 858/11000 13%
#family loan /4000 0%#solicitors /8000
Crisis fund 320/5001 -
One today.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
@beanielou I hope you’re ok, a taxi home from A&E must have been a worrying time. 💐
another NSD today, taking me to 15.
lovely to see people hitting their targets , well done. ❤️2 -
Thank you. I had a fall & cut my head open. Went in by ambulance but had to get myself home.Thriftymissus said:@beanielou I hope you’re ok, a taxi home from A&E must have been a worrying time. 💐
another NSD today, taking me to 15.
lovely to see people hitting their targets , well done. ❤️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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
A NSD for yesterday and today, so I'm up to 9/15
I'm hoping that this month I'll be able to add more to my ISAs. This challenge is wonderful!
Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 #18 £2021.83 declared1 -
@beanielou hope you are OK, sounds a bit awful even if you didn't really hurt yourself xxxbeanielou said:
Thank you. I had a fall & cut my head open. Went in by ambulance but had to get myself home.Thriftymissus said:@beanielou I hope you’re ok, a taxi home from A&E must have been a worrying time. 💐
another NSD today, taking me to 15.
lovely to see people hitting their targets , well done. ❤️2 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 1/18
AuntieL 10/15
beanielou 17/19
cathybird 12/15
Changeyourlife25 2/10
crazybeautiful 14/25
cuddlymarm 9/15
Dizzycap 14/20
doingitanyway 5/12
Doris17 14/15
Honeysucklelou2 3/10
ilovetea 13/20
InDebtEnby 9/13
KajiKita 13/20
laurenh1 10/18
leftatthetrafficlights 15LittleMissDetermined 11/20
loopylupin 10/10
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 15/20
ThriftyPrincess40 15/20
VickyA 2 9/15
Wanna Bee Free 10/10
yellowstickerfan 7/15
To see the updated results for January on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Not an NSD but I did get a free hot chocolate from MorrisonsCurrent No Spend Challenge: 8/13
2025 No Spend Days: 46/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
I'm going to count one today because I only spent £1 in the charity shop and my partner found £1 while walking the dog and gave it to me! 😁 Had a free coffee from octopus too so sort of a net gain 😂
Well done everybody x12/15 NSDs in January2
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