Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Awesome August's No-Spend Days Challenge!
Comments
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So cross with myself. Yesterday was going so well and then I went in charity shop and spent £3 on books! Didn't "need" any of them, just thought they looked like they would be a good read. Hey ho...onwards and upwardsMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1570/£3000
.
Studies/surveys April.....£43.44
Decluttering items 1402/2025. 183/2026
Books read 23 in 2025. 2026- 10 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Have another three NSDs for Sat, Sun and Mon.#15 Save £12k in 2026 £4500/£120001
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Early call for day 10.
‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.1 -
Not a NSD for me. I was good at the departing airport, but while I was waiting for OH at arrivals I bought a coffee and breakfast for both myself and him. It was costly, but I did enjoy it, so it's fine!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 #4 today 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10001 -
I have bought snacks my first layer of naughtiness, enjoyed but I really wish I hadn't I will beat this eventually, I really only went in for coke but ended up with half the shop! Then I bought plastic storage boxes and curtains also...I defo should not have bought the curtains but I thought I couldn't just buy the boxes for delivery and I do need new curtains for the Wardrobe. I also spent £1.30 on a library loan, a book that I asked to be sent to local library, I collected and paid and tweezers - I keep losing mine.1
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NSD Wednesday and pretty sure at least one out of Monday and Tuesday too to add 🤣🤣1
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NSD yesterday and today.
Only thing I bought was groceries and cat litter. Both necessary.
Went to look at furniture for my new flat when I get it. Think I'll have to tart saving up big time :-(
11 NSD so far.
ilovetea xMake £2026 in 2026 £212-64
Declutter 160 items in 2026
NSD's in Jan. 24/20. Feb 18/201 -
One today. Did spend, but it was from housekeeping budget, so allowed.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1570/£3000
.
Studies/surveys April.....£43.44
Decluttering items 1402/2025. 183/2026
Books read 23 in 2025. 2026- 10 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
NSD Wednesday here 😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 25 books of target 52 in 2026 as @ 5th April.
Produce tracker: £73 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
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