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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 14/12Balancinglife 14/18basketcase 1/12Baxtersmum 12beanielou 22/19bloomfelt 3/10blubella 12BudgetingBelinda 12/15cathybird 19/15Caeraugirl 16/20Couldsavemore 18/15craftingmad 16Crazycatlady2 18/20Doily94 4/16Dorothy707 6/12Flying By 11/10FrugalMum3 1/26GeorgianaCavendish 13/15Hawley Gryphon 4/10Honeysucklelou2 5/10HotDog2020 10/16ilovetea 22/20KajiKita 17/15keggie 14/12laura lau 14/16leftatthetrafficlights 19/24lianne1984 10/10LittleMissDetermined 18/22Makingabobor2 9/15Money Choices 7/10MrsCautious 21/20outoftheviciouscircle 15/15PurplePhoenix62 10/10QueenJessRupacomp 6/12Saver-upperSecondStar 21/27short bird 17/20SpruceDog 12TheScarletPixie 2/20Thevalueofless 15/10try harder 20Newcomers welcome
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Another NSD for me.Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
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 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
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. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
NSD today
That's me on 10 / 10 NSD nowFebruary 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 £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/202
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