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Joyous January's No-Spend Days Challenge!

Comments

ThriftyPrincess40 Posts: 341 Forumite

23 January at 12:23PM

Spend day today as it’s payday 😫

#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
2
Wanna_Bee_Free Posts: 2,751 Forumite

23 January at 2:41PM

Looks promising for another no spend day today at the moment. A small £1 sale made on Vinted. Still poorly but the antibiotics might be kicking in now.

https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
April NSD challenge 12/10
April AFD challenge 6/14
3
Doris17 Posts: 1,050 Forumite

23 January at 4:43PM

NSD for me please 20/20

Second target reached.🎉

"My Life Is About The Journey Not The Destination"

2
Changeyourlife25 Posts: 167 Forumite

23 January at 5:09PM

Heya!

5/10

another 3 days added for me this week!
Whoop
hoping i can make it up to my monthly goal still about 3 months left in January 😂😂

Feb GC 🥬🍑 £6.14/£500
Jan 26 GC 🥞🧇 £570.69/£500

Debt free in 2026 - £551.03 of £4,226.52
NSD FEB 0/10
NSD JAN 8/10
PAD FEB £2.24
PAD JAN £140.38

1
AuntieL Posts: 502 Forumite

23 January at 5:10PM

NSD Friday 😁 Reached my target for January

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
2
KajiKita Posts: 9,988 Forumite

23 January at 5:33PM

NSD here today 😊

KK

As 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
InDebtEnby Posts: 299 Forumite

23 January at 7:43PM

Another one for me.

Current No Spend Challenge: 12/13
2025 No Spend Days: 50/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/2030
1
cathybird Posts: 16,519 Forumite

23 January at 8:09PM edited 23 January at 11:59PM

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 15/15

beanielou 23/19

cathybird 17/15

Changeyourlife25 5/10

crazybeautiful 19/25

cuddlymarm 11/15

Dizzycap 20/20

doingitanyway 8/12

Doris17 20/20

Honeysucklelou2 6/10

ilovetea 18/20

InDebtEnby 12/13

KajiKita 19/20

laurenh1 13/18

leftatthetrafficlights 15

LittleMissDetermined 15/20

loopylupin 10/10

Mamma2004 12/10

MissMoneyMishap 11/12

NeverendingDMP 1/10

Pinkpieuni 8/10

Prodigal50 12/10

RhiBi 9/10

RollinginClover 15

ShelivesintheShire 13/20

snugglenush 2/10

SovereigntyQueen 31

Teamjarjar 5

Tenar15 8/12

Thriftymissus 20/20

ThriftyPrincess40 20/20

VickyA 2 11/15

Wanna Bee Free 15/10

yellowstickerfan 10/15

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

🌞 🌞 Newcomers welcome! 🌞 🌞

1
Mamma2004 Posts: 118 Forumite

23 January at 10:01PM

12/10 for me today. Thanks 👍

1
yellowstickerfan Posts: 49 Forumite

23 January at 10:22PM

Hi, one yesterday and one today.... I'll keep trying!! Should have a good run next week as I'm working lots, might be a few days short of 15 but I'm really enjoying this, thanks xx

12/15 NSDs in January
2

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