Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Awesome August's No-Spend Days Challenge!
Comments
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Not one for me, I had some gardening work done today, plumber tomorrow then gardeners again on Wed, but after that hope to be back to normal. Tomorrow might be an NSD anyway because the plumber rarely invoices me on the day he visits, but who knows!1
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NSD today 😊❤️
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- 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 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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 -
NSD today for me 😁 Was delighted to get my smiley flower for 5MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £92,396.89 (10years 4months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £44.43/ £10002 -
Only some necessary groceries today so taking that as a NSD
5/10February NSDs: 0 / 10
February PADs: 2 / 29
February Groceries Challenge: £59 / £250
February Make £5 a Day: £255 / £145
Current Debt: £3159 | CC £1490 | N £571 | C £725 | E £373
Weight Loss Challenge 2024: 0 lbs1 -
AugustOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
August targetsAuntieL 6/10beanielou 10/19
BlackCoffeeNoSugar 6/10
cathybird 7/15
Crazycatlady2 10/15
GeorgianaCavendish 11/19
IslaMujeres 1/TF
jammy dodger
KajiKita 9/15
LemonadeBudget 9/15
lianne1984 5/10
LittleMissDetermined 10/14
Makingabobor2 3/15
outoftheviciouscircle 1/15
QueenJess 5/15
Rupacomp 8/15
Saver-upper 5/15
short bird 8/18
2sonmum 10
Newcomers welcome 
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Well done Saver-upper, Crazycatlady2, LittleMissDetermined, GeorgianaCavendish, beanie, short bird, KajiKita, AuntieL, lianne1984 and IslaMujeres
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NSD for me today, except a little donation. Tomorrow i am not going to be able to that as it is my wedding anniversary and i need to get some flowers for my wife. Was checking here farmgirl flowers reviews and it looks like they have fair prices and good quality flowers, so that's probably be my choice.2
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hi IslaMujeres
and welcome
I've added you to the list, best of luck with the challenge!
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Declaring a NSD early today2026 decluttering: 72 🤑🥉 ⭐️
2026 use up challenge: 30🥉
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 I 🥉25 🥈50 🥇100 💎1501 -
Early call for one today, I already accidentally sent £30 too much to savings so I'm not trusting myself with cash today
LMD xLife 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 £4220/£60001
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