Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Amazing April's No-Spend Days Challenge!
Comments
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Think I’ve managed 3 more no spend days so up to 10/15GC 2024 £1445.91/£3000
GC July 24 £0/£250
#16 XMAS 2024 £300:£366
Surveys £32.051 -
NSD #9 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 -
NSD Sunday here. Planned to go to the garden centre but ran out of time … 🤷♀️😉
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 -
12/14 please @cathybird I hope your Sunday is better then mine - nothing bad just general feeling of being sorry for myself, I think I am over it now, now just bored!1
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Sunday- another NSD for me.
Just baked loads of biscuits and banana choc-chip cake for next week's packed lunches.
Kitchen now looks like an explosion in a bakery but fortunately my son had already offered to clean up if I would make him some choc-chip cookies.
All the washing and ironing done and put away, nothing urgently needs doing so I'm currently sitting down with a pot of tea and about to start reading a book I've bern waiting for the warmer weather to start reading.
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AprilOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
April targetsAuntieL 9/15
Balancinglifebeanielou 19/19
blubella 6/12
Caeraugirl 9/20
cathybird 17/15
CouldsavemoreCrazycatlady2 15/18
Doris17 12/18
Flying By 3/17
FrugalAspirations 10GeorgianaCavendishGeriatricmum 6/10
Honeysucklelou2 2/10
HotDog2020 12/14
ilovetea 17/20
KajiKita 17/18
keggie 10/15
laura lau 10/18
laurenh1 2/TF
leftatthetrafficlights 19/24
LemonadeBudget 12/10
LittleMissDetermined 15/17
madlyn 10Makingabobor2 7/15
Money Choices 5/10
Mrs Cautious 12/18
Nervous1234 7/22
Rupacomp 7/15
SecondStar 15/20
short bird 12/18
Tianfeng2022 5/10
Worlds Worst Superhero 18/25

Newcomers welcome! 
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@[Deleted User] Sundays can be a bit like that if there's not much going on. Mine was OK! Hope yours got better xx[Deleted User] said:12/14 please @cathybird I hope your Sunday is better then mine - nothing bad just general feeling of being sorry for myself, I think I am over it now, now just bored!
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Finally have another NSD to add, taking me to 9.#21 Save £12k in 2025 £25577.35/£200001
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Well done LittleMissDetermined, Doris17, beanie, Worlds Worst Superhero, SecondStar, Crazycatlady2, laurenh1, keggie, AuntieL, KajiKita, HotDog2020 and Caeraugirl


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Early call - 19/24 for me please 😁'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'1
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