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…2526283031…64

Comments

  • InDebtEnby
    InDebtEnby Posts: 299 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    Another one for me 
    Current No Spend Challenge: 12/13
    2025 No Spend Days: 50/150
    Bank Loan Original End Date: 08/2030
    Current End Date: 01/2030
  • cathybird
    cathybird Posts: 16,519 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @crazybeautiful thanks for letting me know, I've updated the list. :)
  • cathybird
    cathybird Posts: 16,519 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 12 January at 5:09PM
    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 12/19  image  image  image  

    cathybird 8/15  image  image 

    Changeyourlife25 2/10  image 

    crazybeautiful 10/25  image  image 

    cuddlymarm 7/15  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 7/13  image  image 

    KajiKita 10/20  image  image  image  

    laurenh1 7/18  image  image 

    leftatthetrafficlights 15 

    LittleMissDetermined 9/20  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 11/20  image  image  image  

    VickyA 2 7/15   image  image 

    Wanna Bee Free 8/10   image  image 

    yellowstickerfan 4/15   image 


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


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • Thriftymissus
    Thriftymissus Posts: 363 Forumite
    100 Posts First Anniversary Photogenic Name Dropper
    Not one for me today as went out for a lovely Sunday lunch with family. ❤️
  • Dizzycap
    Dizzycap Posts: 1,802 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    Staying on 10/20 for Monday - Medical Necessity & hopefully the last for the month. I like to count all my spends outside of anything budgeted for in each month, so next month I will add my Medical Necessity Spending to my February Bedget  ;) Back to the NSDs on Tuesday  :*
    ~ NSD 2026 Challenge April 22/20 (4)
    # No.12 Save £2 a Day 2026 £243.32 / £730 (4)
    # No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)
    # No.19 52 Week Env Challenge 2026 £520 / £1378 (4)
    # No.4 Save £12k in 2026  £6,234.25 / £12,000 (4)
    # No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)
    # No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)
    # Make £2026 in 2026 £1886.43 / £2026 (4)
  • beanielou
    beanielou Posts: 99,351 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 341 Forumite
    100 Posts Name Dropper
    NSD today 💪🏻 nothing needed 
    #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
    I am planning a NSD again today. 
    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
  • LittleMissDetermined
    LittleMissDetermined Posts: 10,591 Forumite
    Part of the Furniture 10,000 Posts Debt-free and Proud! Photogenic
    It's one for me today
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017
    EF £1000/£1000 | Sabbatical £4685/£6000
  • cuddlymarm
    cuddlymarm Posts: 2,322 Forumite
    Part of the Furniture 1,000 Posts
    Good morning 
    One for me today 

    Pay off by Xmas 2026 £175/£2324.67
    February NSDs 6/15
    February PADs £55
    February grocery challenge £67.42/£200
★ ★ ★ 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