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Joyous January's No-Spend Days Challenge!

Comments

loopylupin Posts: 101 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: 2,065 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 12/20 (6)
# Regular Savers 2026- New 9/12 - Total: 31 (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 - £710.56 / £1825 (6)
# No.8 Sealed Pot Challenge 19 (22/10) 426 / £400 (6)
# No.27 - Top Up EP 2 £1255 / £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: 336 Forumite

1 January at 6:21PM

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

Current No Spend Challenge: 0/13
2025 No Spend Days: 80/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/2030
1
KajiKita Posts: 10,327 Forumite

1 January at 7:11PM

Not one today.

KK

As at 18.06.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £214,281
- 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 46 books of target 52 in 2026 as @ 24th June.
Produce tracker: £157 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: 268 Forumite

1 January at 7:27PM

Starting 2026 with a nsd.

Challenges
NSD - June - 5/10
1. 2026 Mortgage-Free Wannabes #61 £27,100/£27,100, target met June 2026, mortgage balance - £0. mortgage @ Jan 2025 - £75,600
2. 2026 Mortgage Free Wannabe #47 , buy to let deposit xx/20k
3. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
4.52 Week Envelope Saving Challenge #2 £106/£1,378 -( 1/52)
5. EF - £1,742
1
Dizzycap Posts: 2,065 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 12/20 (6)
# Regular Savers 2026- New 9/12 - Total: 31 (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 - £710.56 / £1825 (6)
# No.8 Sealed Pot Challenge 19 (22/10) 426 / £400 (6)
# No.27 - Top Up EP 2 £1255 / £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: 16,744 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: 16,744 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: 16,744 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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