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Joyous January's No-Spend Days Challenge!
Comments
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NSD today, no plans
#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 -
Well done everyone 😊😋
It's a final 26/20 NSD Saturday 😍🤗. Looking forward to starting off February with a NSD 😂 See you all over on the February thread 🤗
# 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 £1933.69 / £2026 (4)1 -
Ending Jan with another NSD :) That's 22 I think - whoop!
I'll aim for 20 again in Feb, but it's probably not going to be attainable due to birthdays and events I have planned… we will see how we go
LMD x
Life 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 -
Last one of the month 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 -
January results updated here :) :)
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Not today - had my hair cut so I’m all swishy again 😊
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 -
Well, managed one more before the end of the month, under my target but pretty happy because I did spend some days but just on Christmas sale bargains!! Thanks for organising it @cathybird xx
12/15 NSDs in January1 -
I tried pretty hard today to see if the totals list would work as a table. You can import tables that you make yourself or set one up on MSE and I had a go at both. Doing a smaller table is simple enough, but the NSD list is 10 columns and nearly 40 rows and trying to get it to work was very cumbersome. After twiddling with it for an hour or two I sort of got everything to fit, then I copied and pasted and it lost all that formatting anyway! I'm so sorry and I appreciate the feedback about the emojis looking good in the table but I think we need to stick to link only for the moment and I will do my best to find another solution. Hope that's OK. :/
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January total 29/25 😊
I bought 2 birthday gifts. Other than that I only spent money on regular groceries and bills.
For February my target will be 20, due to birthdays, events, things already planned.
Make £2026 in 2026 Current total £221.92
Save £1 per book read in 2026 Current total £5
Emergency fund Current total £270.36/£500
Pay off by Xmas 2026 Current total left £1071.86/£1300
January 2026 NSDs 29/25 February 2026 NSDs 22/20 March 2026 NSDs 26/20
April 2026 NSDs
Decluttering 365 items 50/3651 -
TBF no one would expect you to spend all that time on it. Thank you.
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
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