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Joyous January's No-Spend Days Challenge!

Comments

loopylupin Posts: 60 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: 1,768 Forumite

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

~ NSD 2026 Challenge April 14/20 (4)
# Spectos/Royal Mail Monitoring 2026 - CMD
# 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)
# No.5 Fiver Friday Challenge 2026 £85/£230 (4)
# Make £2026 in 2026 £1836.43 / £2026 (4)
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: 295 Forumite

1 January at 6:21PM

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

Current No Spend Challenge: 8/13
2025 No Spend Days: 46/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/2030
1
KajiKita Posts: 9,927 Forumite

1 January at 7:11PM

Not one today.

KK

As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- 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 26 books of target 52 in 2026 as @ 12th 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
Pinkpieuni Posts: 248 Forumite

1 January at 7:27PM

Starting 2026 with a nsd.

Challenges
NSD - April - 8/10
1. 2026 Mortgage-Free Wannabes #61 £14,031.82/£29,000, MF target May 2026, current mortgage balance - £14,582.78
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 - £842
1
Dizzycap Posts: 1,768 Forumite

1 January at 7:37PM

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

~ NSD 2026 Challenge April 14/20 (4)
# Spectos/Royal Mail Monitoring 2026 - CMD
# 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)
# No.5 Fiver Friday Challenge 2026 £85/£230 (4)
# Make £2026 in 2026 £1836.43 / £2026 (4)
4
cathybird Posts: 16,491 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: 16,491 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: 16,491 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

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