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Marvellous March's No-Spend Days Challenge!

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  • Thank you @beanielou and @cathybird for your kind wishes. I did feel a bit dizzy and was in a little pain after! I’m ok, now :smile: I was distracted by a letter I was reading, it was from a widow’s pension scheme I’ve been in for 12 years, and it said I needed to tell them if I moved in with a new partner. 

    I started living with my partner 12 months ago. So I immediately assumed my time was up with this pension! And I’d need to pay some money back. I rang and they said my late husband had signed up to a premium scheme that means I’ll get a pension for the rest of my life, even if I marry again. 

    This was typical of this wonderful man to want to do this for me, we lost him far too young and he already knew he was poorly and declared it when he took the pension out. I’ve been a little tearful thinking of him - and on reading the letter forgot to erm actually step completely out of the car before banging the door shut! Ouch. 


    And in other news today is NSD number 15.

    Thanks for this lovely thread and for listening x 
    Your husband sounds like a he was a really great man, especially as he considered how he could ensure you could carry on living a great life after he was gone ❤️

    What exciting or lovely things have you got planned for the future?

  • Caeraugirl
    Caeraugirl Posts: 591 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Another NSD for me today.
    #21 Save £12k in 2025 £16977.35/£20000

    August NSD Challenge 3/10
  • AuntieL
    AuntieL Posts: 370 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    Only grocery shopping today so NSD #9 for me
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    June 2025 NSD Challenge 1/18

    MFW 2025 #45
    Jan 2016 Mortgage = £149,895
    Current outstanding = £97,725
    2024 Overpayment = £675.66
    2025 Overpayment = £529/£700
  • Makingabobor2
    Makingabobor2 Posts: 4,218 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Another NSD for me today, up to 7/15 now. 

    @MrsCautious, so pleased to hear your late husband was such a kind man with such good planning sense. Don't think I can say the same for my husband, he has no idea where finances are concerned.
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • KajiKita
    KajiKita Posts: 7,685 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD Sunday here 😊

    KK
    As 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. 
  • ilovetea
    ilovetea Posts: 1,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Haven't been on here for a few days. been a funny week.
    Should have been a NSD on Wednesday but the bank stopped my card as they thought I had been defrauded (is that the right word) That meant I couldn't pay for my on line shop! Luckily I had some money in the house. Went to Tesc@ with a friend so I bought her lunch.
     Thursday was a NSD.
    Friday had a cleaner to wash down all the paintwork. Getting a bit to old to bend and stretch,
    Saturday NSD.
    Sunday NSD.
     Think that takes me up to 12.
    Hugs to those that need them.

    ilovetea  xx
    Make £2024 in 2024 £1161.08
    Declutter 2024 things in 2024 1522/2024.
    NSD's in August 11/20
  • cathybird
    cathybird Posts: 15,651 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    March

    Off to a start = image
    5 days = image
    10 days = image

    15 days = image
    20 days = image
    Target reached = image
    Target beaten = image 

    March targets

    AuntieL 9/15  image  image 


    Balancinglife 5/18  image  image 


    beanielou 13/19  image  image  image


    blubella 4/10  image 


    Caeraugirl 12/25  image  image  image


    cathybird 13/15  image  image  image


    Couldsavemore 3/16  image 


    Crazycatlady2 9/18  image  image 


    Flying By 11/14  image  image  image


    GeorgianaCavendish 3/12   image


    Geriatricmum 11/10  image  image  image


    Honeysucklelou2 10 


    HotDog2020 7/14  image  image 


    ilovetea 12/20  image  image  image


    itsthelittlethings 8 


    KajiKita 13/18  image  image  image


    keggie 10/18  image  image  image


    laura lau 6/16  image  image 


    leftatthetrafficlights 15/24  image  image  image  image


    LittleMissDetermined 12/17  image  image  image


    madlyn 1/10  image


    Makingabobor2 7/15  image  image 


    Money Choices  


    Mrs Cautious 15/15  image  image  image  image  image


    Nervous1234 3/23  image


    Rupacomp 10 


    SecondStar 11/25  image  image  image


    short bird 12/18  image  image  image


    Thevalueofless 20 


    Worlds Worst Superhero 14/25  image  image  image


    :):) Newcomers welcome! :):)

  • MrsCautious
    MrsCautious Posts: 1,621 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 18 March 2024 at 12:24AM
    Your husband sounds like a he was a really great man, especially as he considered how he could ensure you could carry on living a great life after he was gone ❤️

    What exciting or lovely things have you got planned for the future?

    Ah thank you, now there’s question. This pension is one of two little ongoing ones he was able to pass on to me, I remember there were more, including from the NHS and the BBC, that I got lump sums for, he moved around jobs-wise a lot and I was his boss when we met, just the loveliest kindest man. The most wonderful dad. I’ve written (my job) about him many times, as I have my family’s story in the 12 years since which has sadly brought a load more trauma and loss. 

    I’ve been blessed to do many lovely things since and have plenty more planned (travel mainly x) and am currently facing my own health issues (nothing too alarming but have nevertheless made me think) and work is where I’m trying to find the best way forward, I’m a little over a decade away from retirement age, that’s why I’m saving as much as I can, decluttering, and doing NSDs where I can. Thinking of upping pension payments. 

    I’ve applied for 2 new jobs this week (one is a dream job which has a good, decent salary and the other is a more highly paid job where I’m not sure I’d enjoy it as much!) 

    I know there are loads of good things on the horizon - not all of them costing much money ❤️

    hope I’ve not gone on too much…



  • MrsCautious
    MrsCautious Posts: 1,621 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    @Makingabobor2

    Thank you, he was a worrier bless him. Also wasn’t fond of spending money 🤦🏻‍♀️ - here I am learning to be a lot more like that! 
  • cathybird
    cathybird Posts: 15,651 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done leftatthetrafficlights, blubella, MrsCautious, LittleMissDetermined, beanie, short bird, Makingabobor2, Caeraugirl, AuntieL, Makingabobor2, KajiKita and ilovetea imageimageimage
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