Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Fabulous February's No-Spend Day Challenge!
Options
Comments
-
one more NSD for me today!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/661 -
NSD #6 today please - not yesterday, had to buy a new Hoover and get the battery changed on my phone 💸
(Much cheaper than a new phone though!)1 -
Another NSD for me today (if I declare early I’m less likely to spend!)MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Day 9 of No Unnecessary Spending, and it seems to be going well so far.
Went out to the theatre last night, but these were tickets bought for me as a present weeks ago.
Took the train but I don't count travel expenses as part of this challenge. Like petrol or car maintenance costs, it's a necessary spend. I don't use a car and only use public transport when I it's too far or inconvenient to walk or cycle.
I did get a good deal on the train by booking early and using a Two Together railcard.
It was a great night out and really made me think about how to prioritise my spending.
I'm aiming for less "clutter" and more experiences.2 -
Just a thought- what is everyone planning for Valentine's Day?
The shops are piled high with Valentine's "gifts", most of it absolute tat, none of them I want to give or receive.
What not-buying ideas have you come up with?1 -
bloomfelt said:I'm up to 7 days today. been stuck in with a poorly boy all week which has made it easierLittleMissDetermined said:Early call for me today, I'm poorly so going nowhere
LMD x0 -
FebruaryOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =February targetsAuntieL 7/18Balancinglife 5/18beanielou 7/19bloomfelt 7/18blubella 3/12BudgetingBelinda 2/15cathybird 5/15Caeraugirl 6/20Captspar 4/15Couldsavemore 4/15Crazycatlady2 6/18Flying By 4/14GeorgianaCavendish 6/16Geriatricmum 1/10Honeysucklelou2 10HotDog2020 1/14ilovetea 7/20JustALass 7/12KajiKita 5/18keggie 5/15laura lau 6/18leftatthetrafficlights 24lianne1984 10LittleMissDetermined 6/15Makingabobor2 3/15Money ChoicesMrs Cautious 5/20MrsSave 5/10Nervous1234 7/20OnlyJealousOfBirds 3/15PurplePhoenix62 10QueenJessRupacomp 5/12Saver-upperSecondStar 6/26short bird 6/18Thevalueofless 3/20Worlds Worst Superhero 9/TF
Newcomers welcome!
0 -
Worlds_Worst_Superhero said:Just a thought- what is everyone planning for Valentine's Day?
The shops are piled high with Valentine's "gifts", most of it absolute tat, none of them I want to give or receive.
What not-buying ideas have you come up with?#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 4/102 -
7/12 for me today.@Caeraugirl. After years together we don’t do presents. Usually a card though but my little one has loads of crafty bits and bobs at home so he can help me make one instead this year!21/02/24
£120/£930 overdraft 12.9%
£413.24/£2k savings 20.7%
Feb NSD 7/12
Be overdraft free by 13/10/2025
current projection 10/09/2025(min £10pw)2 -
NSD number 5 today.My partner is away working when it’s Valentine’s Day so he can have a WhatsApp message. 🤣4
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards