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Joyous January's No-Spend Days Challenge!
Comments
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9/12 pleaseIf 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) 25/07/20251 -
#20
Another NSD today.
21/20. No need to spend as I don't need anything. Living in a very small town with very few shops does help.
ilovetea xxMake £2026 in 2026 £212-64
Declutter 160 items in 2026
NSD's in Jan. 24/20. Feb 18/202 -
Well done everyone & look at us speeding along the NSD rail track
It's a spendy day for me so staying on 22/20 - Medical necessity & another on Friday, which I'm happy to count as spends as it personally doesn't give me any space to potentially get away with unnecessary spends
Next month I will co-ordinate my medical spends with necessary HH spends to happen on the same day
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (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 £1934.27 / £2026 (4)1 -
NSD today 💪🏻#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 320/5002 -
One for yesterday... Creeping towards my target 🙂12/15 NSDs in January2
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It's a NSD start to the week for me today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60001 -
Good morning
One today making it 13/15 😀
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2002 -
NSD for me please 22/20.
"My Life Is About The Journey Not The Destination"2 -
Another one for me today. 18/10 please Cathybird.
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
April NSD challenge 12/10
April AFD challenge 6/142 -
Number 22 for me today. Avoided the shop and cooked from scratch.2
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