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!

Comments

Wanna_Bee_Free Posts: 2,751 Forumite

19 January at 3:45PM

Thanks very much Cathybird.

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
1
Doris17 Posts: 1,050 Forumite

19 January at 4:30PM

NSD for me please 16/20.

"My Life Is About The Journey Not The Destination"

1
Pinkpieuni Posts: 252 Forumite

19 January at 6:10PM

Nsd today. Struggling a bit this month but hope to meet my target.

Challenges
NSD - April - 12/10
1. 2026 Mortgage-Free Wannabes #61 £14,031.82/£29,000, MF target May 2026, current mortgage balance - £14,582.78
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £106/£1,378 -( 1/52)
4. EF - £842
1
AuntieL Posts: 502 Forumite

19 January at 6:29PM

NSD Monday 😁

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
1
KajiKita Posts: 9,983 Forumite

19 January at 8:44PM

NSD Monday here 😊

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.
1
MissMoneyMishap Posts: 90 Forumite

19 January at 9:19PM

11/12 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

1
cathybird Posts: 16,519 Forumite

20 January at 12:10AM edited 20 January at 2:55PM

January 2026 NSD challenge

Off to a start =

5 days =

10 days =

15 days =

20 days =

Target reached =

Target beaten =

January targets

32b3in2013 6/18

AuntieL 12/15

beanielou 20/19

cathybird 14/15

Changeyourlife25 2/10

crazybeautiful 16/25

cuddlymarm 9/15

Dizzycap 17/20

doingitanyway 6/12

Doris17 16/20

Honeysucklelou2 3/10

ilovetea 15/20

InDebtEnby 11/13

KajiKita 15/20

laurenh1 11/18

leftatthetrafficlights 15

LittleMissDetermined 13/20

loopylupin 10/10

Mamma2004 9/10

MissMoneyMishap 11/12

NeverendingDMP 1/10

Pinkpieuni 7/10

Prodigal50 9/10

RhiBi 7/10

RollinginClover 15

ShelivesintheShire 13/20

snugglenush 2/10

SovereigntyQueen 31

Teamjarjar 5

Tenar15 6/12

Thriftymissus 16/20

ThriftyPrincess40 17/20

VickyA 2 10/15

Wanna Bee Free 12/10

yellowstickerfan 7/15

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

🌞 🌞 Newcomers welcome! 🌞 🌞

0
InDebtEnby Posts: 299 Forumite

20 January at 12:58AM

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
1
Dizzycap Posts: 1,802 Forumite

20 January at 1:00AM edited 20 January at 1:01AM

Well done everyone for those wonderful NSDs
@ Doris17 - Congratulations on reaching your target - Whoop whoop AWESOME!
A very early call for a 17/20 NSD Tuesday.

~ NSD 2026 Challenge April 22/20 (4)
# Spectos/Royal Mail Monitoring 2026 - CMD
# 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)
# No.5 Fiver Friday Challenge 2026 £85/£230 (4)
# Make £2026 in 2026 £1886.43 / £2026 (4)
1
beanielou Posts: 99,351 Ambassador

20 January at 4:48AM

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.
1

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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