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Joyous January's No-Spend Days Challenge!

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Comments

  • Mamma2004
    Mamma2004 Posts: 118 Forumite
    100 Posts Name Dropper Photogenic
    11/10 for me today 😊
  • cathybird
    cathybird Posts: 16,522 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 23 January at 8:05PM
    January 2026 NSD challenge


    Off to a start = image 

    5 days = image 

    10 days = image  

    15 days = image 

    20 days = image 

    Target reached = image 

    Target beaten = image


    January targets


    32b3in2013 7/18  image  image 


    AuntieL 14/15  image  image  image  


    beanielou 23/19  image  image  image   image  image  image  image


    cathybird 16/15  image  image  image   image  image  image


    Changeyourlife25 2/10  image 


    crazybeautiful 19/25  image  image  image   image 


    cuddlymarm 11/15  image  image  image  


    Dizzycap 20/20  image  image  image   image  image  image 


    doingitanyway 8/12  image  image 


    Doris17 19/20  image  image  image   image 


    Honeysucklelou2 6/10   image  image 


    ilovetea 18/20  image  image  image   image 


    InDebtEnby 11/13  image  image  image  


    KajiKita 18/20  image  image  image   image 


    laurenh1 13/18  image  image  image  


    leftatthetrafficlights 15 


    LittleMissDetermined 15/20  image  image  image   image 


    loopylupin 10/10  image  image  image   image 


    Mamma2004 11/10  image  image  image   image  image


    MissMoneyMishap 11/12  image  image  image  


    NeverendingDMP 1/10  image 


    Pinkpieuni 8/10  image  image 


    Prodigal50 12/10  image  image  image   image  image


    RhiBi 9/10  image  image 


    RollinginClover 15 


    ShelivesintheShire 13/20   image  image  image  


    snugglenush 2/10   image 


    SovereigntyQueen 31  


    Teamjarjar 5  


    Tenar15 8/12   image  image 


    Thriftymissus 20/20  image  image  image   image  image  image


    ThriftyPrincess40 20/20  image  image  image   image  image  image


    VickyA 2 11/15   image  image  image  


    Wanna Bee Free 14/10   image  image  image   image  image


    yellowstickerfan 8/15   image  image 



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


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • ilovetea
    ilovetea Posts: 1,330 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    NSD again today .Now 18/20
    Make £2026 in 2026 £212-64
    Declutter 160 items in 2026
    NSD's in Jan. 24/20. Feb 18/20
  • Dizzycap
    Dizzycap Posts: 1,807 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 23 January at 12:46AM
    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
    Ooooo I love this!!! Where is it from? 
    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.
    I 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  ;)
    ~ NSD 2026 Challenge April 23/20 (4)
    # 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)
    # Make £2026 in 2026 £1934.27 / £2026 (4)
  • beanielou
    beanielou Posts: 99,365 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,931 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    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 £2.17
  • cuddlymarm
    cuddlymarm Posts: 2,322 Forumite
    Part of the Furniture 1,000 Posts
    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/£200
  • Dizzycap 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
    Ooooo I love this!!! Where is it from? 
    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.
    I 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  ;)
    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 ❤️
    #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 320/500
  • 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 320/500
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    No reason to spend today so 8/12 please
    If 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) 25/07/2025
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