September NSD challenge
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Splendid September's No-Spend Days Challenge!
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@LittleMissDetermined have a lovely holiday xx
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Not one for me today either, I've applied (and paid for) for a new passport. 0
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
September targetsAuntieL 8/15
beanielou 16/19
BestnamesRgone 7/12
Caeraugirl 7/15
cathybird 13/15
Crazycatlady2 1/18Doris17 4/12Geriatricmum 6/10
HomeHelpPlease101 15Honeysucklelou2 2/10HotDog2020 2/15iloveteaKajiKita 15/20
laura lau 5/15
laurenh 10/18
leftatthetrafficlights 4/24
LittleMissDetermined 12/8
Makingabobor2 7/15
QueenJess 1/5
Prodigal50 15Rupacomp 7/15
Saver-upperSecondStar 17/TF
short bird 11/18
Worlds Worst Superhero 9/20
🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
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NSD Tuesday for me 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15MFW 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 -
My first NSD!2026 decluttering: 72 🤑🥉 ⭐️
2026 use up challenge: 30🥉 ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 I 🥉25 🥈50 🥇100 💎1501 -
A NSD for yesterday, sadly not one for today 😞 on the plus side I worked an extra work shift yesterday so extra ££s on payday which makes me feel less guilty about my mini splurge today! 🙂1
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NSD Tuesday here. Think that makes 15 😊🥳
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- 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 5 books of target 52 in 2026 as @ 13th January
Produce tracker: £18 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 -
Up to 17 NSDs ‘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 -
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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