January 2026 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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NSD Monday 😊
KKAs 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 -
One today.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 7/18
AuntieL 16/15
beanielou 26/19
cathybird 19/15
Changeyourlife25 7/10
crazybeautiful 19/25
cuddlymarm 13/15
Dizzycap 23/20
doingitanyway 9/12
Doris17 22/20
Honeysucklelou2 6/10
ilovetea 22/20
InDebtEnby 13/13
KajiKita 21/20
laurenh1 15/18
leftatthetrafficlights 15LittleMissDetermined 18/20
loopylupin 13/10
Mamma2004 12/10
MissMoneyMishap 11/12
NeverendingDMP 1/10
Pinkpieuni 8/10
Prodigal50 12/10
RhiBi 10/10
RollinginClover 15ShelivesintheShire 13/20
snugglenush 2/10
SovereigntyQueen 31Teamjarjar 5Tenar15 8/12
Thriftymissus 22/20
ThriftyPrincess40 22/20
VickyA 2 15/15
Wanna Bee Free 18/10
yellowstickerfan 11/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞3 -
I'm off on a trip till Friday so probably no NSDs till then. 6
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NSD today, so that's my target achieved 15/15
Tomorrow is a spend day - I have my book club which is held at a local pub, on the proviso that we buy drinks! However, I'm hoping that I can get at least 2 other NSDs for the rest of the month.
Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 #18 £2021.83 declared2 -
Enjoy your trip.cathybird said:I'm off on a trip till Friday so probably no NSDs till then.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
And another one.
22/20 NSD's now.
Was very tempted as I was looking at e-b@y . Had some sales to parcel up, I said no :-)
ilovetea xx
Make £2026 in 2026 £212-64
Declutter 160 items in 2026
NSD's in Jan. 24/20. Feb 18/203 -
Another one for me. Target reached but hopefully I can get a couple more.Current No Spend Challenge: 12/13
2025 No Spend Days: 50/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
It's a 23/20 NSD Tuesday here# 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
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have have a lovely time away @cathybird.
early call on a NSD today, hopefully to get in at least one more before the end of the month. Bought a birthday gift yesterday so a spendy one. Keep going everyone!3
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