December
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Dazzling December's No-Spend Days Challenge!
Comments
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Not today. Needed some food and done some Christmas shopping plus stamps.KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- 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 25 books of target 52 in 2026 as @ 5th April.
Produce tracker: £73 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 -
None today. One Xmas present ordered and the waiver on a new windscreen, as a tiny crack grew substantially when the cold weather hit 🥶😱
I also need to get on with Xmas as I am allowed to go back to work if they can provide light duties, reduced hours and no heavy lifting. I hope so but it will be strange going back having to organise my time.
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001 -
NSD #1 today please
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 1/12beanielou 19cathybird 1/15changingmyways23 10Crazycatlady2Cuddlymarm 15Doris17ErinBB 10GeorgianaCavendish 1/18KajiKita 15LadyWithAPlan 13laura lau 15leftatthetrafficlights 1/15LittleMissDetermined 1/15Makingabobor2 15QueenJess 1/15Rupacomp 10Saver-upper 15short bird 1/18Newcomers welcome
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One for me today 1
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Declaring my first NSD of this new shiny month
2026 decluttering: 1,025 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 276🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆3002 -
First one for me today 😁 did lots of holiday shopping yesterday for the grandbabies and most of the alcohol we'll need ....tomorrow I'll be sorting a menu plan and will shop on Sunday for anything we'll need for the week'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'2 -
Thank you cathybird! NSD for me today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10001 -
Day 1... the houses opposite still have frost on their roofs which shows they've got pretty good insulation I suppose.‘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 -
Well done LittleMissDetermined, GeorgianaCavendish, QueenJess, leftatthetrafficlights, AuntieL and short bird 1
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