January 2026 NSD challenge
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Joyous January's No-Spend Days Challenge!
Comments
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Have a wonderful time @cathybird.
Not an NSD today but very frugal spending 😀2 -
NSD for me xx#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 320/5001 -
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 27/19
cathybird 19/15
Changeyourlife25 7/10
crazybeautiful 19/25
cuddlymarm 13/15
Dizzycap 23/20
doingitanyway 10/12
Doris17 23/20
Honeysucklelou2 6/10
ilovetea 22/20
InDebtEnby 13/13
KajiKita 21/20
laurenh1 16/18
leftatthetrafficlights 15LittleMissDetermined 18/20
loopylupin 13/10
Mamma2004 13/10
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 23/20
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! 🌞 🌞0 -
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10/12 please @cathybirdIf 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 -
It won't be one today. Hoping to see moths when I open my purse this evening. Back on it tomorrow.https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
April NSD challenge 12/10
April AFD challenge 6/141 -
One for today. I might just make target 😁
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13/10 for me 🥰
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NSD for me 23/20.
"My Life Is About The Journey Not The Destination"1
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