Off to a start = 
5 days = 
Ready, steady… save!
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Splendid September's No-Spend Days Challenge!
Comments
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Declaring today a NSD already
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 £1050/£1000 | Sabbatical £5664/£60002 -
Claiming 3 NSDs please for 1st, 2nd and 3rd September. Not one today, I need to post a birthday present.2
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It will be one today 😊
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2026 as @ 1st November.
Produce tracker: £348 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 -
One for today. Up to 2/15 now.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £25,444....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £350/3000
Studies/surveys November £23.88
Decluttering items 1400/2025. 460/2026
Books read 2025/23 2026- 24 (target is 52)
Jigsaws done 20 in 2025. 5 in 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
September
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
September targetsAuntieL 2/12beanielou 4/19
BlackCoffeeNoSugar 1/15
cathybird 5/15
craftingmad 15
Crazycatlady2 18
Ef79
GeorgianaCavendish 3/18
IndiJonesi
jammy dodger
KajiKita 3/15
lianne1984 10
LemonadeBudget
LittleMissDetermined 3/19
Makingabobor2 2/15
Money Choices 10
MrsCautious
QueenJess 2/17
Rupacomp 1/15
Saver-upper
short bird 2/18
stay at home mum
Newcomers welcome 
1 -
Well done beanie, QueenJess, LittleMissDetermined, GeorgianaCavendish, KajiKita and Makingabobor2
Another one for me
1 -
Early call for day 2.‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.1 -
Definitely not today!
Paid builders merchants bill.
mini food shop for our trip to the Gower tomorrow.
Vet bill for cat who is declining to eat.KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2026 as @ 1st November.
Produce tracker: £348 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 -
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.
One debt remaining. Home improvement loan. 9 months left.2 -
Well done short bird and beanie0
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