January 2026 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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9/10 for me now! 😁
As a newbie to this, I have to admit to having an anxiety wobble about spending money this week. I needed to buy wallpaper and it was a fairly big expenditure. But, I had a talk with myself and got the wallpaper that I've been saving up for (check out - https://lusthome.com/products/stupid-cupid-wallpaper-in-mint-green-carnation-pinks-and-apricot ) - I got half up so far and it looks fantastic - so all in all I'm very happy.
4 -
One today 😊
KKAs 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 -
@Mamma2004 lovely wallpaper! I've got floral wallpaper.
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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 13/15
Changeyourlife25 2/10
crazybeautiful 14/25
cuddlymarm 9/15
Dizzycap 15/20
doingitanyway 5/12
Doris17 15/20
Honeysucklelou2 3/10
ilovetea 13/20
InDebtEnby 9/13
KajiKita 14/20
laurenh1 10/18
leftatthetrafficlights 15LittleMissDetermined 11/20
loopylupin 10/10
Mamma2004 9/10
MissMoneyMishap 10/12
NeverendingDMP 1/10
Pinkpieuni 6/10
Prodigal50 9/10
RhiBi 7/10
RollinginClover 15ShelivesintheShire 13/20
snugglenush 2/10
SovereigntyQueen 31Teamjarjar 5Tenar15 6/12
Thriftymissus 16/20
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 -
beanielou 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. ❤️@ beanielou - I hope you're feeling ok and heal well
An early call for a 15/20 NSD Sunday - It's a full rest day today as I pottered around in the garden; which I shouldn't have done and then went to see a neighbour to have Christmas cake & coffee take some medication for her dog after I'd taken her for a walk - The dog that is, not the neighbour
# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (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)# No.5 Fiver Friday Challenge 2026 £25/£230 (1)# Make £2026 in 2026 £787.42 / £2026 (1)3 -
2
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Nsd today
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)
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I’m logging an early NSD today as I’ve no plans to go anywhere and if I commit to the NSD early then I’ve got to follow through with it!1
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"My Life Is About The Journey Not The Destination"2 -
Not an NSD yesterday as I bought two ciders in a pub on the Thames. Worthwhile spend!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
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