January 2026 NSD challenge
We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Joyous January's No-Spend Days Challenge!
Comments
-
With my NSD I December I was able to pay more off my credit card this month, thank you! This challenge is great! ❤️#no 3 Debts off by Xmas 2026 £1444/£12,500NSD May 11/22
#no 13 365 days 1p challenge 2026 120/ 365
#no 2 £2 coin savers challenge 2026
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £12,500
1% challenge = £12,500
1% - £125 @11.5%
#cc4. MBNA 630/2000 0% runs out soon
#loan2 814/ 10,500 13%1 -
Hi all
happy to report 1 nsd today.
Resisted popping to the shop!1 -
Another one for me.Current No Spend Challenge: 4/13
2025 No Spend Days: 67/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Please could I join this, I’ll aim for 10 days. Thanks!
Find a little bit of joy in every day.
0 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 18AuntieL 2/15
beanielou 2/19
cathybird 2/15
Changeyourlife25 2/10
cuddlymarm 1/15
Dizzycap 3/20
doingitanyway 1/12
Doris17 2/15
Honeysucklelou2 10ilovetea 1/20
InDebtEnby 2/13
KajiKita 18laurenh1 1/18
leftatthetrafficlights 15LittleMissDetermined 1/20
loopylupin 1/10
Mamma2004 2/10
MissMoneyMishap 1/12
NeverendingDMP 1/10
Pinkpieuni 1/10
QueenJess 15short bird 18snugglenush 1/10
SovereigntyQueen 31Thriftymissus 20ThriftyPrincess40 2/20
VickyA 2 2/15
Wanna Bee Free 2/10
yellowstickerfan 1/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
@ThriftyPrincess40 that's great to hear, well done xx
Well done everyone in fact, Jan has got off to a great start! 2 -
hi @Mamma2004
and welcome, good to see you here 
I've added you to the list, hope you enjoy the challenge!
1 -
Day 2 and I'm now on 2/15 NSDs
I've been able to add teeny tiny bits of money to my ISA thanks to these NSDs. I won't be retiring early, but my emergency fund is now on my "comfortable" zone and at least I'll have a buffer. Honestly, it really is thanks to being more conscious about my spending due to these challenges.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 declared1 -
Happy to report another one today. :-)https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
June NSD challenge 0/10
June AFD challenge 1/141 -
Good monring all - It's a bit chilly this morning
An early call of a 3/20 NSD Saturday!
--**MONEYFACTS**-- FULL List of Money Comparison Products + News / Guides--Personal MSE 2026 Money Saving Challenges:# Regular Savers 2026- New 7/12 - Total: 29 (6)# No.2 Save 1p A Day Challenge 2026 £355.02 / £667.95 (6)# No.4 Save £12k in 2026 - £8492.37 / £12,000 (6)# £10-a-Day Challenge 2026 - £573.56 / £1825 (6)# No.8 Sealed Pot Challenge 19 (24/10) 286.45 / £400 (6)# No.27 - Top Up EP 2 £1105 / £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 - ReadyMotto: 'SAVE before you spend on Non-essentials'0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.8K Banking & Borrowing
- 254.5K Reduce Debt & Boost Income
- 455.6K Spending & Discounts
- 247.6K Work, Benefits & Business
- 604.5K Mortgages, Homes & Bills
- 178.6K Life & Family
- 262.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards