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Joyous January's No-Spend Days Challenge!
Comments
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Nice one! 🥳🥳🥳💪🏻❤️Thriftymissus said:I’m with you @ThriftyPrincess40 hitting 20 out of 20 today xx#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 -
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 -
ThriftyPrincess40 said:NSD today 20/20 💪🏻🥳🥳🥳🥳
Well done.Thriftymissus said:I’m with you @ThriftyPrincess40 hitting 20 out of 20 today xxI 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.3 -
NSD for me please 19/20.
"My Life Is About The Journey Not The Destination"2 -
Thanks Dizzycap. Saw the doctor today and I'm on antibiotics now and an inhaler so hopefully I will start feeling better again in the next few days. 3 prescription charges (felt too rubbish to get a PPC while there) so hoping I won't need any more prescriptions for 3 months now.Dizzycap said:@ Wanna_Bee_Free - I really hope you start feeling better soon xxxIt's a very call for a 19/20 NSD Thursday - 1 more to go to reach my target for the month
Spending day today as I was tempted by croissants on the way home. I also collected a book I bought on Vinted - cheaper than the library SELMS charge which is £4 now.https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
April NSD challenge 12/10
April AFD challenge 6/142 -
One today!2
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January 2026 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 7/18
AuntieL 14/15
beanielou 22/19
cathybird 15/15
Changeyourlife25 2/10
crazybeautiful 19/25
cuddlymarm 10/15
Dizzycap 19/20
doingitanyway 7/12
Doris17 19/20
Honeysucklelou2 3/10
ilovetea 17/20
InDebtEnby 11/13
KajiKita 18/20
laurenh1 13/18
leftatthetrafficlights 15LittleMissDetermined 15/20
loopylupin 10/10
Mamma2004 10/10
MissMoneyMishap 11/12
NeverendingDMP 1/10
Pinkpieuni 8/10
Prodigal50 12/10
RhiBi 9/10
RollinginClover 15ShelivesintheShire 13/20
snugglenush 2/10
SovereigntyQueen 31Teamjarjar 5Tenar15 8/12
Thriftymissus 20/20
ThriftyPrincess40 20/20
VickyA 2 11/15
Wanna Bee Free 14/10
yellowstickerfan 8/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Hi
One today please
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001 -
NSD Thursday 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15MFW 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/£10001 -
NSD Thursday here 😊
KKAs 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
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