Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Marvellous March's No-Spend Days Challenge!
Comments
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Up to 14 NSDs so far
‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’Frugal living in 2024.
Frugal living in 2025.
Frugal living in 2026.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
6 month Emergency Fund: £5,768 / £8,000
Nationwide 1 year 6.5% Savings - £1,600 / £2,2001 -
I'm way behind... Think I've had three NSDs this month so farSavings goal by 31/12/24: £22000
Dec 23: £6945.231 -
I am just cooking healthy meal for once for Dinner (microwave meal), therefore I am up to 8/14 - I really want to reach goal this month.2
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NSD here - bought baby tomatoes from the local shop on the way home but from ‘pocket money’ so it doesn’t count 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 8 books of target 52 in 2026 as @ 24th January
Produce tracker: £36 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 -
Sorry not had a chance to post.Currently on 11/18 NSD1
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NSD #10 for me today.MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £92,396.89 (10years 4months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £44.43/ £10001 -
Another NSD day today. 13/20 now.
Cathybird, Thank-you for my flower ;-)
ilovetea xxMake £2026 in 2026 £108-73
Declutter 61 items in 2026
NSD's in Jan. 20 /201 -
MarchOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
March targetsAuntieL 10/15
Balancinglife 11/18
beanielou 15/19
blubella 4/10
Caeraugirl 12/25
cathybird 14/15
Couldsavemore 3/16
Crazycatlady2 11/18
Flying By 12/14
GeorgianaCavendish 3/12Geriatricmum 11/10
Honeysucklelou2 10HotDog2020 8/14
ilovetea 13/20
KajiKita 14/18
keggie 10/18
laura lau 8/16
leftatthetrafficlights 16/24
LittleMissDetermined 13/17
madlyn 1/10Makingabobor2 7/15
Mrs Cautious 16/15
Nervous1234 3/23Rupacomp 3/10
SecondStar 14/25
short bird 13/18
Thevalueofless 20Worlds Worst Superhero 14/25
Newcomers welcome! 0 -
Well done beanie, LittleMissDetermined, Crazycatlady2, MrsCautious, short bird, Flying By, laura lau, leftatthetrafficlights, SecondStar, Rupacomp, HotDog2020, KajiKita, Balancinglife, AuntieL and ilovetea
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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
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