We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Joyous January's No-Spend Days Challenge!

Comments

loopylupin Posts: 89 Forumite

1 January at 1:15PM

Happy new year! And happy new ways of thinking about spending. I haven’t posted here for a long while (in fact a few years ago) but have continued to read along.
I’d like to join please and aim for 10 nsd’s for January. I cleared debt but bad habits had returned so need a refocus on managing money better and rethinking what I REALLY need to spend money on.
Good luck everyone.

4
Dizzycap Posts: 2,082 Ambassador

1 January at 3:25PM edited 1 January at 3:26PM

cathybird said:

Happy new year, everyone

And a Very Happy, Healthy, & Wealthy New Year to you too @ cathybird
@ yellowstickerfan - A very warm welcome to you Enjoy the challenge

--**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 7/10 (6)
# Regular Savers 2026- New 7/12 - Total: 29 (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 - £573.56 / £1825 (6)
# No.8 Sealed Pot Challenge 19 (24/10) 286.45 / £400 (6)
# No.27 - Top Up EP 2 £1105 / £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
Changeyourlife25 Posts: 167 Forumite

1 January at 4:37PM

1 for me!

🎉 1/10

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
InDebtEnby Posts: 316 Forumite

1 January at 6:21PM

One for me. I'm sticking to 13 for January

Current No Spend Challenge: 4/13
2025 No Spend Days: 67/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/2030
1
KajiKita Posts: 10,188 Forumite

1 January at 7:11PM

Not one today.

KK

As at 21.05.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £215,607
- 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 38 books of target 52 in 2026 as @ 2nd June.
Produce tracker: £139 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
Pinkpieuni Posts: 263 Forumite

1 January at 7:27PM

Starting 2026 with a nsd.

Challenges
NSD - June - 2/10
1. 2026 Mortgage-Free Wannabes #61 £21,665.01/£27,100, MF target June 2026, current mortgage balance - £5,300
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £106/£1,378 -( 1/52)
4. EF - £1,742
1
Dizzycap Posts: 2,082 Ambassador

1 January at 7:37PM

Look at us NSDers Go.........Vroooooooooom!

--**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 7/10 (6)
# Regular Savers 2026- New 7/12 - Total: 29 (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 - £573.56 / £1825 (6)
# No.8 Sealed Pot Challenge 19 (24/10) 286.45 / £400 (6)
# No.27 - Top Up EP 2 £1105 / £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
4
cathybird Posts: 16,665 Forumite

1 January at 7:38PM

@yellowstickerfan and @loopylupin , good to see you here, and welcome to our lovely thread! I've added you to the list, hope you enjoy the challenge

2
cathybird Posts: 16,665 Forumite

1 January at 7:38PM

January 2026 NSD challenge

Off to a start =

5 days =

10 days =

15 days =

20 days =

Target reached =

Target beaten =

January targets

32b3in2013 18

AuntieL 15

beanielou 19

cathybird 1/15

Changeyourlife25 1/10

cuddlymarm 1/15

Dizzycap 1/20

doingitanyway 1/12

Doris17 1/15

Honeysucklelou2 10

ilovetea 20

InDebtEnby 1/13

KajiKita 18

laurenh1 1/18

leftatthetrafficlights 15

LittleMissDetermined 1/20

loopylupin 10

MissMoneyMishap 1/12

Pinkpieuni 1/10

QueenJess 15

short bird 18

snugglenush 10

SovereigntyQueen 31

ThriftyPrincess40 1/20

VickyA 2 15

Wanna Bee Free 1/10

yellowstickerfan 15

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

🌞 🌞 Newcomers welcome! 🌞 🌞

0
cathybird Posts: 16,665 Forumite

1 January at 7:40PM

Dizzycap said:

And a Very Happy, Healthy, & Wealthy New Year to you too @ cathybird

@Dizzycap thank you xxx and I wish the same for you!

1

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

Categories

All Categories
354.8K Banking & Borrowing
254.5K Reduce Debt & Boost Income
455.6K Spending & Discounts
247.6K Work, Benefits & Business
604.5K Mortgages, Homes & Bills
178.6K Life & Family
262.1K Travel & Transport
1.5M Hobbies & Leisure
16.1K Discuss & Feedback
37.7K Read-Only Boards