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Joyous January's No-Spend Days Challenge!
Comments
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It won’t be an NSD for me today as I’m meeting a friend in a coffee shop lunchtime.
well done to everyone, I’m enjoying this challenge as it’s making me stop and think. I don’t want to ruin an NSD by a frivolous spend!Find a little bit of joy in every day.
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Still on 8 today x1
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NSD for me 9/15.
"My Life Is About The Journey Not The Destination"2 -
January 2026 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 1/18
AuntieL 7/15
beanielou 9/19
cathybird 6/15
Changeyourlife25 2/10
cuddlymarm 5/15
Dizzycap 8/20
doingitanyway 3/12
Doris17 9/15
Honeysucklelou2 2/10
ilovetea 6/20
InDebtEnby 5/13
KajiKita 8/20
laurenh1 5/18
leftatthetrafficlights 15LittleMissDetermined 7/20
loopylupin 6/10
Mamma2004 5/10
MissMoneyMishap 5/12
NeverendingDMP 1/10
Pinkpieuni 3/10
Prodigal50 4/10
RhiBi 4/10
RollinginClover 15ShelivesintheShire 8/20
snugglenush 2/10
SovereigntyQueen 31Tenar15 4/12
Thriftymissus 8/20
ThriftyPrincess40 9/20
VickyA 2 5/15
Wanna Bee Free 5/10
yellowstickerfan 4/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
4/12 for me today!1
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Not yesterday but one today 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 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 -
Up to 5/10 for me today. Although I have a cold and feel meh, so not spending was easy 🤒
I'm also actively making money using the Investment/Bank/Cashback forum - £385 so far this week 🙌3 -
Does buying cheapest possible dog food that suits her tummy £30 count as an essential spend? I need to get some tmw as she’s running low 😢 I weigh her food and use it as treats for training(luckily she doesn’t mind it). It should last 2 months x#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 320/5002 -
Another one today 👍.
This really makes me think about spending on odds and ends, I'm making a proper shopping list to try and only go to the shops once this week x12/15 NSDs in January2 -
I would say so.ThriftyPrincess40 said:Does buying cheapest possible dog food that suits her tummy £30 count as an essential spend? I need to get some tmw as she’s running low 😢 I weigh her food and use it as treats for training(luckily she doesn’t mind it). It should last 2 months xI 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
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