January 2026 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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11/10 for me today 😊2
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 7/18
AuntieL 14/15
beanielou 23/19
cathybird 16/15
Changeyourlife25 2/10
crazybeautiful 19/25
cuddlymarm 11/15
Dizzycap 20/20
doingitanyway 8/12
Doris17 19/20
Honeysucklelou2 6/10
ilovetea 18/20
InDebtEnby 11/13
KajiKita 18/20
laurenh1 13/18
leftatthetrafficlights 15LittleMissDetermined 15/20
loopylupin 10/10
Mamma2004 11/10
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 -
NSD again today .Now 18/20Make £2026 in 2026 £212-64
Declutter 160 items in 2026
NSD's in Jan. 24/20. Feb 18/201 -
LittleMissDetermined said:
It's one from etsy, here's a link to the one I have. It's my second year of having this one now and I LOVE it! I have the premium one, but there's a hardbound version and a digital one too. The no spend stickers are separate in the shop. There was a discount last week 'Bestie10' if you wanted to try it.ThriftyPrincess40 said:
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 xI purchased a seperate simple week to view spread 2026 diary for NSDs from the Card Factory for £1 and then just place red crosses through the NSDs dates so that I organise the days I need to spend each month and do everything in one go; especially when I know certain foods & essentials I need will be on discount along with filling up the car with fuel etc - Job done all on a single day and kept within the monthly budget; and often below that I write in the diary on the 1st of each month
**A very early call for a 20/20 NSD Friday - Goal reached - whoop whoop and as usual, I will keep going
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (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 £1934.27 / £2026 (4)2 -
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.2 -
Sunday ( 18th), Monday (19th) and today have been NSDs bringing the total thus far to 6/10.paydbx2026 #19 £1499/£6000 . Mortgage start £148k June 23 - now £133k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.171 -
Good morning
One for me today please making it 11/15 NSDs
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001 -
Well done on the NSD target🥳 yep defo can’t afford Etsy after looking at it but card factory I can manage 👍 good idea! Thank you ❤️Dizzycap said:LittleMissDetermined said:
It's one from etsy, here's a link to the one I have. It's my second year of having this one now and I LOVE it! I have the premium one, but there's a hardbound version and a digital one too. The no spend stickers are separate in the shop. There was a discount last week 'Bestie10' if you wanted to try it.ThriftyPrincess40 said:
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 xI purchased a seperate simple week to view spread 2026 diary for NSDs from the Card Factory for £1 and then just place red crosses through the NSDs dates so that I organise the days I need to spend each month and do everything in one go; especially when I know certain foods & essentials I need will be on discount along with filling up the car with fuel etc - Job done all on a single day and kept within the monthly budget; and often below that I write in the diary on the 1st of each month
**A very early call for a 20/20 NSD Friday - Goal reached - whoop whoop and as usual, I will keep going
#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 -
Ps small spend day today, payday so I’m treating myself to a cheap bar of chocolate and a cheap calendar 💕#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 320/5003 -
No reason to spend today so 8/12 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
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