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Joyous January's No-Spend Days Challenge!
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NSD Thursday 😊1
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January Off to a start =5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 14/12
Balancinglife 14/18
basketcase 1/12
Baxtersmum 12beanielou 22/19
bloomfelt 3/10
blubella 12BudgetingBelinda 12/15
cathybird 19/15
Caeraugirl 16/20
Couldsavemore 18/15
craftingmad 16Crazycatlady2 18/20
Doily94 4/16
Dorothy707 6/12
Flying By 11/10
FrugalMum3 1/26
GeorgianaCavendish 13/15
Hawley Gryphon 4/10
Honeysucklelou2 5/10
HotDog2020 10/16
ilovetea 22/20
KajiKita 17/15
keggie 14/12
laura lau 14/16
leftatthetrafficlights 19/24
lianne1984 10/10
LittleMissDetermined 18/22
Makingabobor2 9/15
Money Choices 7/10
MrsCautious 21/20
outoftheviciouscircle 15/15
PurplePhoenix62 10/10
QueenJessRupacomp 6/12
Saver-upperSecondStar 21/27
short bird 17/20
SpruceDog 12TheScarletPixie 2/20
Thevalueofless 15/10
try harder 20Newcomers welcome
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Another NSD for me.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 -
Am NSD on Wednesday but it was food shopping day today.
18/15# 36 1p challenge 2024 - £536.60
#13 POYD by Christmas 24 £2875 / 81381 -
NSD Today
14/18 ☺️
tomorrow is a spend day as getting my lashes done.1 -
NSD Thursday 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- 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 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
NSD today
That's me on 10 / 10 NSD now February 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 -
NSD day 14 so 14/12 and hopefully will manage tomorrow too even though it is pay day!GC 2024 £1445.91/£3000
GC July 24 £0/£250
#16 XMAS 2024 £300:£366
Surveys £32.051 -
Another NSD 22/20 now.
I'm not one for going shopping Find it rather boring.
Been ruthless about shopping on lie I don't NEED anything.
ilovetea xx
Make £2026 in 2026 £212-64
Declutter 160 items in 2026
NSD's in Jan. 24/20. Feb 18/202
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