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Joyous January's No-Spend Days Challenge!
Comments
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Number 19 today x1
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Ooooo I love this!!! Where is it from?LittleMissDetermined said:One for me today. I have a lovely budget planner this year and it comes with 'no spend' stickers, 20 per month so I'm aiming to use them all!
LMD x#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 320/5002 -
NSD 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 320/5001 -
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 -
One for today please
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Nsd today
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
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NSD for me please 18/20
"My Life Is About The Journey Not The Destination"1 -
7/12 pleaseIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
I hit 10/10 today 🎉
Batch cooking kept me busy in the kitchen today. I made 1kg of chilli con carne which is currently in my new 6.5L slow cooker 😀1 -
January 2026 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 7/18
AuntieL 12/15
beanielou 21/19
cathybird 15/15
Changeyourlife25 2/10
crazybeautiful 16/25
cuddlymarm 9/15
Dizzycap 18/20
doingitanyway 7/12
Doris17 18/20
Honeysucklelou2 3/10
ilovetea 15/20
InDebtEnby 11/13
KajiKita 15/20
laurenh1 12/18
leftatthetrafficlights 15LittleMissDetermined 14/20
loopylupin 10/10
Mamma2004 10/10
MissMoneyMishap 11/12
NeverendingDMP 1/10
Pinkpieuni 8/10
Prodigal50 9/10
RhiBi 8/10
RollinginClover 15ShelivesintheShire 13/20
snugglenush 2/10
SovereigntyQueen 31Teamjarjar 5Tenar15 6/12
Thriftymissus 19/20
ThriftyPrincess40 19/20
VickyA 2 10/15
Wanna Bee Free 13/10
yellowstickerfan 7/15
To see the updated results for January on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞2
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