January 2026 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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With my NSD I December I was able to pay more off my credit card this month, thank you! This challenge is great! ❤️#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 /35001 -
Hi all
happy to report 1 nsd today.
Resisted popping to the shop!1 -
Another one for me.Current No Spend Challenge: 11/13
2025 No Spend Days: 11/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Please could I join this, I’ll aim for 10 days. Thanks!0
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 18AuntieL 2/15
beanielou 2/19
cathybird 2/15
Changeyourlife25 2/10
cuddlymarm 1/15
Dizzycap 3/20
doingitanyway 1/12
Doris17 2/15
Honeysucklelou2 10ilovetea 1/20
InDebtEnby 2/13
KajiKita 18laurenh1 1/18
leftatthetrafficlights 15LittleMissDetermined 1/20
loopylupin 1/10
Mamma2004 2/10
MissMoneyMishap 1/12
NeverendingDMP 1/10
Pinkpieuni 1/10
QueenJess 15short bird 18snugglenush 1/10
SovereigntyQueen 31Thriftymissus 20ThriftyPrincess40 2/20
VickyA 2 2/15
Wanna Bee Free 2/10
yellowstickerfan 1/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
@ThriftyPrincess40 that's great to hear, well done xx
Well done everyone in fact, Jan has got off to a great start! 2 -
hi @Mamma2004
and welcome, good to see you here 
I've added you to the list, hope you enjoy the challenge!
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Day 2 and I'm now on 2/15 NSDs
I've been able to add teeny tiny bits of money to my ISA thanks to these NSDs. I won't be retiring early, but my emergency fund is now on my "comfortable" zone and at least I'll have a buffer. Honestly, it really is thanks to being more conscious about my spending due to these challenges.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 -
Happy to report another one today. :-)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 -
Good monring all - It's a bit chilly this morning
An early call of a 3/20 NSD Saturday!
# 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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