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Joyous January's No-Spend Days Challenge!

Comments

laurenh1 Posts: 1,133 Forumite

16 January at 8:28AM

One for me today please. Yesterday wasn't one as I took my son for lunch. I don't get the opportunity often so no regrets. Ill pick up dog food today but that comes from my budget. X

3
LittleMissDetermined Posts: 10,588 Forumite

16 January at 8:28AM

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

2
cuddlymarm Posts: 2,322 Forumite

16 January at 8:36AM

Good morning
One for me today please

Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£200
2
ThriftyPrincess40 Posts: 341 Forumite

16 January at 8:55AM

One for me today 💪🏻

#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
2
MissMoneyMishap Posts: 90 Forumite

16 January at 9:48AM

10/12 NSDs!

Thanks @cathybird

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

2
Thriftymissus Posts: 363 Forumite

16 January at 11:11AM

One for me today, so 14 now x

2
cathybird Posts: 16,517 Forumite

16 January at 2:33PM edited 16 January at 10:50PM

January 2026 NSD challenge

Off to a start =

5 days =

10 days =

15 days =

20 days =

Target reached =

Target beaten =

January targets

32b3in2013 1/18

AuntieL 10/15

beanielou 14/19

cathybird 11/15

Changeyourlife25 2/10

crazybeautiful 14/25

cuddlymarm 9/15

Dizzycap 13/20

doingitanyway 5/12

Doris17 14/15

Honeysucklelou2 3/10

ilovetea 12/20

InDebtEnby 8/13

KajiKita 11/20

laurenh1 10/18

leftatthetrafficlights 15

LittleMissDetermined 11/20

loopylupin 9/10

Mamma2004 5/10

MissMoneyMishap 10/12

NeverendingDMP 1/10

Pinkpieuni 5/10

Prodigal50 9/10

RhiBi 6/10

RollinginClover 15

ShelivesintheShire 13/20

snugglenush 2/10

SovereigntyQueen 31

Teamjarjar 5

Tenar15 6/12

Thriftymissus 14/20

ThriftyPrincess40 14/20

VickyA 2 7/15

Wanna Bee Free 9/10

yellowstickerfan 6/15

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

🌞 🌞 Newcomers welcome! 🌞 🌞

3
RhiBi Posts: 931 Forumite

16 January at 3:57PM

Sorry I’ve not posted on here for a few days, I’m logging 2 more NSD’s taking me up to 6.

tomorrow will be a spend day as I’m meeting friends for food, but I should get quite a few in next week!

Find a little bit of joy in every day.
2
AuntieL Posts: 502 Forumite

16 January at 6:35PM

NSD Friday 😁

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
2
crazybeautiful Posts: 58 Forumite

16 January at 7:12PM

2 NSDs. Total now 14/25

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
2

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