Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Fabulous February's No-Spend Day Challenge!
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Yesterday was day 3 for me. Today is not, took my 3 year old out for a walk as he has been stuck in poorly and was bouncing off the walls earlier but he needed an energy boost to make the final leg so was worth the 25p chocolate bar he chose and my spend day just so I didn't have to carry him home
January NSD8/102 -
NSD Sunday here 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £353 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.2 -
No spend day for me 3/4 isn’t bad going 😊Aim to pay off £13,000 by December 2024
£1,208.22/£23,059 #26 Pay All Your Debt Off By Christmas 2024
2024 £1 a day savings challenge - £98.43 2024 52 week challenge - £120.37
22/20 February No Spend Days 20 Target 20/23 March No Spend Days 23 Target 7/22 April No Spend Days 22 Target (excludes direct debits, standing orders, debt and savings payments)2 -
Unexpected NSD for me today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25712 -
Well done everyone 👏 we’ve got this 😉 xAim to pay off £13,000 by December 2024
£1,208.22/£23,059 #26 Pay All Your Debt Off By Christmas 2024
2024 £1 a day savings challenge - £98.43 2024 52 week challenge - £120.37
22/20 February No Spend Days 20 Target 20/23 March No Spend Days 23 Target 7/22 April No Spend Days 22 Target (excludes direct debits, standing orders, debt and savings payments)3 -
Thank you! I’ve had such a lovely weekend, really lovely food and a Shakespeare play, makes you appreciate it all the more when you’ve focused on not spending money.OnlyJealousOfBirds said:
Got to be done, hasn't it? It's the days when it's harder to avoid spending that really build good habits though! Hope you have a wonderful weekend, even if it's not a NSD 🥰MrsCautious said:Good luck all, it won’t be an NSD for me today, I’m out both days over the weekend so will have to see! For my NSD yesterday I felt like it was a real effort to avoid spending but pleased to have had a word with myself!2 -
NSD number 2 today after a wonderful weekend away for my partner’s birthday. Going to try my best now!1
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Finally got my first NSD of February - took some doing. Normally have a good chance when I’m at school but took my son for dinner one day and then had to buy lunch when on a course on Friday. Yesterday was main shopping day but also had an Amazon purchase so def not a NSD 🤣
So 1/15GC 2024 £1445.91/£3000
GC July 24 £0/£250
#16 XMAS 2024 £300:£366
Surveys £32.052 -
Another for me so 3/12
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)1 -
NSD for me todayMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001
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