We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Joyous January's No-Spend Days Challenge!

1…2425272930…64

Comments

  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 343 Forumite
    100 Posts Name Dropper
    Just realised I’m ahead with my numbers. It’s 11th today and I’ve had one spend day previously so at 10/20 👍
    #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 320/500
  • Wanna_Bee_Free
    Wanna_Bee_Free Posts: 2,751 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Another one for me today. More or less a repeat of yesterday although I really didn't want to take a sandwich again today I talked some sense into myself and did it anyway.
    https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
    April NSD challenge 12/10
    April AFD challenge 6/14
  • Prodigal50
    Prodigal50 Posts: 131 Forumite
    100 Posts Second Anniversary Name Dropper
    Up to 6/10 :-)
    Jan 2022
    Owed approx 70,000 in consumer debt

    Dec 2024/Dec 2025
    Loan 1 4750/0
    Loan 2 10690/0
    Card 1 10764/6378
    Card 2  5674/3564
    Card 3 5158/3532
    Card 4 0/10785
    Total 37036/24274

    Emergency Fund 0/2000

    2022 Over 70k debt. Time to change!
    2022-25 Paying off debt. 
    2025 Cash lump sum used to pay down debt quicker than hoped. 
    2025+???? Stay happy and in control of my finances

  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,931 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    NSD today making 3/10 thus far 😊.
    paydbx2026 #19 £1499/£6000 . Mortgage start £148k June 23 - now £133k.
    2026 savings challenge £0/£2000     EF £140. Savings 2 £2.17
  • cathybird
    cathybird Posts: 16,522 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 11 January at 11:23PM
    January 2026 NSD challenge


    Off to a start = image 

    5 days = image 

    10 days = image  

    15 days = image 

    20 days = image 

    Target reached = image 

    Target beaten = image


    January targets


    32b3in2013 1/18  image 

    AuntieL 8/15  image  image 

    beanielou 11/19  image  image  image  

    cathybird 7/15  image  image 

    Changeyourlife25 2/10  image 

    crazybeautiful 10/25  image  image 

    cuddlymarm 6/15  image  image 

    Dizzycap 10/20  image  image  image  

    doingitanyway 3/12  image 

    Doris17 10/15  image  image  image  

    Honeysucklelou2 3/10   image 

    ilovetea 6/20  image  image 

    InDebtEnby 6/13  image  image 

    KajiKita 10/20  image  image  image  

    laurenh1 7/18  image  image 

    leftatthetrafficlights 15 

    LittleMissDetermined 8/20  image  image 

    loopylupin 6/10  image  image 

    Mamma2004 5/10  image  image 

    MissMoneyMishap 7/12  image  image 

    NeverendingDMP 1/10  image 

    Pinkpieuni 4/10  image 

    Prodigal50 6/10  image  image 

    RhiBi 4/10  image 

    RollinginClover 15 

    ShelivesintheShire 10/20   image  image  image  

    snugglenush 2/10   image 

    SovereigntyQueen 31  

    Tenar15 4/12   image 

    Thriftymissus 9/20  image  image 

    ThriftyPrincess40 10/20  image  image  image  

    VickyA 2 7/15   image  image 

    Wanna Bee Free 7/10   image  image 

    yellowstickerfan 4/15   image 


    To see the updated results for January on phone or tablet, click here :)


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • AuntieL
    AuntieL Posts: 502 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic
    NSD Sunday  😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    April 2026 NSD Challenge 0/15

    MFW 2025 #45
    Jan 2016 Mortgage = £150,894 (23years 0months)
    Current outstanding = £90,256.60 (10years 1month)
    2024 Overpayment = £675.66
    2025 Overpayment = £710/£700
    2026 Overpayment = £357.72/£1000
  • cathybird
    cathybird Posts: 16,522 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi @crazybeautiful image and welcome to our lovely thread! Do you want to set a target for the number of NSDs you want to try for this month, or are you happy to go TF (target free) and see how you go? I've put TF for now, but let me know. Hope you enjoy the challenge! image
  • MissMoneyMishap
    MissMoneyMishap Posts: 90 Forumite
    10 Posts Name Dropper Photogenic
    Productive a free Sunday! :)

    7/12 NSD

    Thanks @cathybird <3
    I'm always in it. It's just the depth that varies.

    Immediate Problem: Overdraft: £752.59 * Paypal £671.07 * Creation £592.74 = £2,016.04
    Phase 1: Vanquis CC £4100.11 * Tesco CC £3996.60 * Capital One CC £3800 = £11,896.71
    Phase 2: Zopa Loan: £12,755
     
  • crazybeautiful
    crazybeautiful Posts: 58 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    edited 11 January at 8:00PM
    cathybird said:
    hi @crazybeautiful and welcome to our lovely thread! Do you want to set a target for the number of NSDs you want to try for this month, or are you happy to go TF (target free) and see how you go? I've put TF for now, but let me know. Hope you enjoy the challenge!
    Hi! My target is as many days as possible, but my real target for January is probably 25 out of 31 days. Happy for you to add this.

    Today has been another NSD :) 

    so total 10 of 25 target.
    Make £2026 in 2026 Current total £221.92
    Save £1 per book read in 2026 Current total £5

    Emergency fund Current total £270.36/£500

    Pay off by Xmas 2026 Current total left £1071.86/£1300

    January 2026 NSDs 29/25 February 2026 NSDs 22/20 March 2026 NSDs 26/20
    April 2026 NSDs

    Decluttering 365 items 50/365
  • KajiKita
    KajiKita Posts: 9,994 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    NSD Sunday today 😊

    KK
    As 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. 
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.4K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.3K Work, Benefits & Business
  • 604K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture