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Joyous January's No-Spend Days Challenge!
Comments
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One for me today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60001 -
NSD for me today that’s 5/20 💪🏻#no 3 Debts off by Xmas 2026 £2175/£15,250
NSD March 14/22 NSD April 17/22
#no 13 365 days 1p challenge 2026 90/365
£40.95/£667.95
#no 2 £2 coin savers challenge 2026
#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 -
Nsd today.
Challenges
NSD - April - 12/10
1. 2026 Mortgage-Free Wannabes #61 £14,031.82/£29,000, MF target May 2026, current mortgage balance - £14,582.78
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £106/£1,378 -( 1/52)
4. EF - £842
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That's annoying, it might change though as the debts whittle down, so it is worth rechecking at a later date. All you can do is your bestThriftyPrincess40 said:
Yeah but companies are refusing any more credit 😫laurenh1 said:
Grr very annoying. Keep at it though 💪 Have you looked to see of any of the debts can be moved to interest free credit cards? XThriftyPrincess40 said:NSD today feeling miserable as I made minimum payments end of December and overpayments but my interest amounts for this month have gone up, so I’m back to square one 😢 I’m going to have to reset my signatures
I think a lot of us on here have been in your situation and it is a particularly tricky climate with things being so expensive. Sending hugs xx 2 -
One for today 1
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NSD number 5 today ⭐️1
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Welcome to our lovely thread.ShelivesintheShire said:Please may I join too? I love a NSD challenge. I am aiming for 20 NSDsI 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.1 -
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.1 -
One for me today please. 5/15.
"My Life Is About The Journey Not The Destination"1 -
Afternoon
first NSD of the month for me yesterday, hopefully a few more this week too,
32b3SPC9 #125 - £816.85
SPC10 #125 - £851.81
SPC 11 #7 - £968.46
SPC 12 #7 - £2682.90
SPC 13 #7 - £4829.85
SPC 17 #7 - £7313.631
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