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April
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Amazing April's No-Spend Days Challenge!
Comments
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After today I shouldn't need to spend money, I have had the handy man in to do the bathroom, I like the result (£84 all in), there is just one more man needed that is to put the new to me radiator up, then the bathroom will be complete (oh and a little painting). The radiator going up should hopefully be this month, but we will see. Therefore today is not a NS day, Hopeful for tomorrow.2
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1 today. Although I technically did spend, it was just 2 sausages from the butcher and was planned spend from budget.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,424....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1150/£3000
.
Studies/surveys January £65.85
Decluttering items 1402/2025. 67/2026
Books read 23 in 2025. 2026- 3 (target is 52)
Jigsaws done 20 in 2025. 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Definitely not an NSD for me! 😳 I've ordered lots of plants for my ponds and things for my meditation garden - worth losing a NSD for 😉'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £510/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £510/£6700
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'2 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
April targetsAuntieL 3/15Balancinglifebeanielou 10/19
blubella 6/12
Caeraugirl 5/20
cathybird 10/15
CouldsavemoreCrazycatlady2 10/18
Doris17 7/18
Flying By 3/17FrugalAspirations 10GeorgianaCavendishGeriatricmumHoneysucklelou2 2/10
HotDog2020 6/14
ilovetea 11/20
KajiKita 10/18
keggie 5/15
laura lau 6/18
leftatthetrafficlights 10/24
LemonadeBudget 6/10
LittleMissDetermined 9/17
madlyn 10Makingabobor2 4/15Money Choices 1/10Mrs Cautious 10/18
Nervous1234 7/22
Rupacomp 5/15
SecondStar 11/20
short bird 8/15
Tianfeng2022 2/10
Worlds Worst Superhero 10/25
Newcomers welcome! 3 -
Not 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 -
another 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 Friday - been a good week in that respect 😊
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 -
Another NSD today
11/20 now. Getting fed up of the wet weather now :-(
Make £2026 in 2026 £108-73
Declutter 61 items in 2026
NSD's in Jan. 20 /201 -
Well done LittleMissDetermined, MrsCautious, SecondStar, Makingabobor2, laura lau, KajiKita and ilovetea
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Friday- not quite the NSD I planned.
I went to drop off some books at a charity shop, and my eyes happened on fall on a vintage board game I'd been hankering after for years....
I've seen similar on eBay for about £20, so asked the price.
50p 🥳
Of course, I bought it!
I know it's not an essential, but my family love board games nights. I suppose I could consider the 50p to be a donation to charity and log it as such in my records, but right now I don't care as it was such a bargain and we'll have so much fun with it 🙂5
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