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Joyous January's No-Spend Days Challenge!

Comments

ilovetea Posts: 1,330 Forumite

21 January at 5:31PM

NSD on Monday. NSD on Tuesday.
Couldn't post as we had a power cut on both evenings, Over 4 hours each.
Must have saved some money on electric though..
Spend day to day as I needed food and so did the cat!.

Make £2026 in 2026 £212-64
Declutter 160 items in 2026
NSD's in Jan. 24/20. Feb 18/20
2
AuntieL Posts: 502 Forumite

21 January at 5:32PM

NSD Wednesday 😁

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
Prodigal50 Posts: 131 Forumite

21 January at 6:56PM

Another 3 days please

Jan 2022
Owed approx 70,000 in consumer debt

Dec 2024/Dec 2025
Loan 1 4750/0
Loan 2 10690/0
Card 1 10764/6378
Card 2 5674/3564
Card 3 5158/3532
Card 4 0/10785
Total 37036/24274

Emergency Fund 0/2000

2022 Over 70k debt. Time to change!
2022-25 Paying off debt.
2025 Cash lump sum used to pay down debt quicker than hoped.
2025+???? Stay happy and in control of my finances

1
KajiKita Posts: 10,322 Forumite

21 January at 7:08PM

I’m slipping a bit here in my reporting - NSD Tuesday and Wednesday here 😊

KK

As at 18.06.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £214,281
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 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.
1
yellowstickerfan Posts: 49 Forumite

21 January at 7:43PM

One more but I think I was too ambitious aiming for 15!

12/15 NSDs in January
2
crazybeautiful Posts: 64 Forumite

21 January at 7:55PM

3 NSDs in a row. Total now 19/25.

Make £2026 in 2026 Current total £221.92
Save £1 per book read in 2026 Current total £9

Emergency fund Current total £290.33/£500

Pay off by Xmas 2026 Current total left £720.48/£1300

January 2026 NSDs 29/25 February 2026 NSDs 22/20 March 2026 NSDs 26/20
April 2026 NSDs 23/20 May 2026 NSDs 21/20 June 2026 NSDs 18/20

Decluttering 365 items 50/365
1
Dizzycap Posts: 2,065 Ambassador

21 January at 8:36PM edited 21 January at 8:45PM

yellowstickerfan said:

One more but I think I was too ambitious aiming for 15!

Trying reducung it to 10; I'm sure cathybird won't mind, and then any other NSDs are a bonus xxxxx

--**MONEYFACTS**-- FULL List of Money Comparison Products + News / Guides--
--Link to FULL List of Available MSE Forum Category Lists / Boards & Discussions --
--Link to FULL List of Available MSE Annual / Monthly Challenges in 2026 Here--
--Link to The MSE 'How to Stop Spending' Demotivator--
Personal MSE 2026 Money Saving Challenges:
~ NSD 2026 Challenge May 12/20 (6)
# Regular Savers 2026- New 9/12 - Total: 31 (6)
# No.12 Save £2 a Day 2026 £364.98 / £730 (6)
# No.2 Save 1p A Day Challenge 2026 £355.02 / £667.95 (6)
# No.19 52 Week Env Challenge 2026 £780 / £1378 (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 - Ready
Motto: 'SAVE before you spend on Non-essentials'
The MSE 'How to Stop Spending' Demotivator
1
VickyA_2 Posts: 4,729 Forumite

21 January at 9:29PM

11/15 for me! Nearly another one, on top, but I needed to buy a resource for work.

Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 #18 £2021.83 declared
1
Tenar15 Posts: 39 Forumite

21 January at 10:24PM

Another 2 NSDs since I last checked in, so onto 8/12!

1
cathybird Posts: 16,740 Forumite

21 January at 11:03PM

January 2026 NSD challenge

Off to a start =

5 days =

10 days =

15 days =

20 days =

Target reached =

Target beaten =

January targets

32b3in2013 7/18

AuntieL 13/15

beanielou 21/19

cathybird 15/15

Changeyourlife25 2/10

crazybeautiful 19/25

cuddlymarm 9/15

Dizzycap 18/20

doingitanyway 7/12

Doris17 18/20

Honeysucklelou2 3/10

ilovetea 17/20

InDebtEnby 11/13

KajiKita 17/20

laurenh1 12/18

leftatthetrafficlights 15

LittleMissDetermined 14/20

loopylupin 10/10

Mamma2004 10/10

MissMoneyMishap 11/12

NeverendingDMP 1/10

Pinkpieuni 8/10

Prodigal50 12/10

RhiBi 8/10

RollinginClover 15

ShelivesintheShire 13/20

snugglenush 2/10

SovereigntyQueen 31

Teamjarjar 5

Tenar15 8/12

Thriftymissus 19/20

ThriftyPrincess40 19/20

VickyA 2 11/15

Wanna Bee Free 13/10

yellowstickerfan 8/15

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

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