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
Fabulous February's NSD Challenge!
Comments
-
Calling a NSD early today. No time for spending as back to work.2026 decluttering: 388 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️
2026 use up challenge: 129🥉 ⭐️🥈🥇 ⭐️ ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3002 -
Another NSD for me after a few mega busy days.DMP started: Sept 2018
Original Debt: £26,835
Feb 2025 - DEBT FREE!!3 -
Sorry, been a busy 10 days or so, and I haven't kept this thread up to date with my progress.
NSDs recorded on Monday, Wednesday and Thursday last week, giving me 9/15Debt free since December 2015. It can be done3 -
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
NSD today 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 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 -
FebruaryOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
February targets
annetheman 10 beanielou 16/15
bekah89 14/15
cathybird 14/15
cherry 22 12/13
Crazycatlady2 12/20
funfairprincess 1/10
GeorgianaCavendish 14/16
gm2917 5/12
herebeme 1/15
jammy dodger 13/15
KajiKita 12/20
Karb 9/15
leftatthetrafficlights 16/15
LittleMissDetermined 15/18
LLM2018 7/18
Makingabobor2 9/16
Money Choices 4/8
MrsCautious 16/20
newroadahead 2/15
QueenJess 15/15
Rupacomp 5/15
Saver-upper 7/15
short bird 14/18
SueP19 12
the-mrs 6/15
Newcomers welcome
2 -
Well done MrsCautious, QueenJess, the-mrs, Karb, beanie and KajiKita
One for me today, tomorrow won't be though, got a lunch out with friends
3 -
As at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 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.2 -
Early call for NSD #14 today please3
-
I'm up to 16/15 now - been loaded with cold so have barely been out! 🤦♀️😂'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £1471.53/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £1471.53/£6700
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.4K Banking & Borrowing
- 254.1K Reduce Debt & Boost Income
- 455K Spending & Discounts
- 246.5K Work, Benefits & Business
- 602.8K Mortgages, Homes & Bills
- 178K Life & Family
- 260.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards