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Joyous January's No-Spend Days Challenge!
Comments
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Thanks very much 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 £01 -
NSD for me please 16/20.
"My Life Is About The Journey Not The Destination"1 -
Nsd today. Struggling a bit this month but hope to meet my target.
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)
1 -
NSD Monday 😁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/ £10001 -
NSD Monday here 😊
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.1 -
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: £12,7551
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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 6/18
AuntieL 12/15
beanielou 19/19
cathybird 14/15
Changeyourlife25 2/10
crazybeautiful 16/25
cuddlymarm 9/15
Dizzycap 16/20
doingitanyway 6/12
Doris17 16/20
Honeysucklelou2 3/10
ilovetea 15/20
InDebtEnby 10/13
KajiKita 15/20
laurenh1 11/18
leftatthetrafficlights 15LittleMissDetermined 13/20
loopylupin 10/10
Mamma2004 9/10
MissMoneyMishap 11/12
NeverendingDMP 1/10
Pinkpieuni 7/10
Prodigal50 9/10
RhiBi 7/10
RollinginClover 15ShelivesintheShire 13/20
snugglenush 2/10
SovereigntyQueen 31Teamjarjar 5Tenar15 6/12
Thriftymissus 16/20
ThriftyPrincess40 17/20
VickyA 2 10/15
Wanna Bee Free 12/10
yellowstickerfan 7/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Another one for meCurrent No Spend Challenge: 11/13
2025 No Spend Days: 11/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20300 -
Well done everyone for those wonderful NSDs
@ Doris17 - Congratulations on reaching your target - Whoop whoop AWESOME!A very early call for a 17/20 NSD Tuesday.# 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)0
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