January 2026 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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9/10 for me now! 😁
As a newbie to this, I have to admit to having an anxiety wobble about spending money this week. I needed to buy wallpaper and it was a fairly big expenditure. But, I had a talk with myself and got the wallpaper that I've been saving up for (check out - https://lusthome.com/products/stupid-cupid-wallpaper-in-mint-green-carnation-pinks-and-apricot ) - I got half up so far and it looks fantastic - so all in all I'm very happy.
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One today 😊
KKAs at 18.06.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £214,281
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 46 books of target 52 in 2026 as @ 24th June.
Produce tracker: £157 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.2 -
@Mamma2004 lovely wallpaper! I've got floral wallpaper.
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 1/18
AuntieL 10/15
beanielou 17/19
cathybird 13/15
Changeyourlife25 2/10
crazybeautiful 14/25
cuddlymarm 9/15
Dizzycap 15/20
doingitanyway 5/12
Doris17 15/20
Honeysucklelou2 3/10
ilovetea 13/20
InDebtEnby 9/13
KajiKita 14/20
laurenh1 10/18
leftatthetrafficlights 15LittleMissDetermined 11/20
loopylupin 10/10
Mamma2004 9/10
MissMoneyMishap 10/12
NeverendingDMP 1/10
Pinkpieuni 6/10
Prodigal50 9/10
RhiBi 7/10
RollinginClover 15ShelivesintheShire 13/20
snugglenush 2/10
SovereigntyQueen 31Teamjarjar 5Tenar15 6/12
Thriftymissus 16/20
ThriftyPrincess40 15/20
VickyA 2 9/15
Wanna Bee Free 10/10
yellowstickerfan 7/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
beanielou said:
Thank you. I had a fall & cut my head open. Went in by ambulance but had to get myself home.Thriftymissus said:@beanielou I hope you’re ok, a taxi home from A&E must have been a worrying time. 💐
another NSD today, taking me to 15.
lovely to see people hitting their targets , well done. ❤️@ beanielou - I hope you're feeling ok and heal well
An early call for a 15/20 NSD Sunday - It's a full rest day today as I pottered around in the garden; which I shouldn't have done and then went to see a neighbour to have Christmas cake & coffee take some medication for her dog after I'd taken her for a walk - The dog that is, not the neighbour
--**MONEYFACTS**-- FULL List of Money Comparison Products + News / Guides--Personal MSE 2026 Money Saving Challenges:# Regular Savers 2026- New 9/12 - Total: 31 (6)# No.2 Save 1p A Day Challenge 2026 £355.02 / £667.95 (6)# No.4 Save £12k in 2026 - £8492.37 / £12,000 (6)# £10-a-Day Challenge 2026 - £710.56 / £1825 (6)# No.8 Sealed Pot Challenge 19 (22/10) 426 / £400 (6)# No.27 - Top Up EP 2 £1255 / £2880 (6).# Decluttering Challenge (6)# No.4 £2 Savers Club 2026 - Completed# No.5 Fiver Friday Challenge 2026 - Completed# Make £2026 in 2026 - Completed# Spectos Mailagent - ReadyMotto: 'SAVE before you spend on Non-essentials'3 -
2
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Nsd today
Challenges
NSD - June - 5/10
1. 2026 Mortgage-Free Wannabes #61 £27,100/£27,100, target met June 2026, mortgage balance - £0. mortgage @ Jan 2025 - £75,600
2. 2026 Mortgage Free Wannabe #47 , buy to let deposit xx/20k
3. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
4.52 Week Envelope Saving Challenge #2 £106/£1,378 -( 1/52)
5. EF - £1,742
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I’m logging an early NSD today as I’ve no plans to go anywhere and if I commit to the NSD early then I’ve got to follow through with it!
Find a little bit of joy in every day.
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"My Life Is About The Journey Not The Destination"3 -
Not an NSD yesterday as I bought two ciders in a pub on the Thames. Worthwhile spend!https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
July NSD challenge 1/10
July AFD challenge 0/143
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