Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Splendid September's No-Spend Days Challenge!
Comments
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Thursday is day 4.
‘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 -
NSD #3 for me 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 -
Second NSD for me today.#21 Save £12k in 2025 £25577.35/£200001
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Wahoo day one and we are off...Yay! Thanks @cathybird1
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September NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
September targetsAppleADay2024AuntieL 3/15
beanielou 5/19
Caeraugirl 2/15
cathybird 5/15
Crazycatlady2Doris17 2/12
Geriatricmum 1/10
Honeysucklelou2 1/10
HotDog2020 1/15
iloveteaKajiKita 5/20
laura lau 2/15
laurenh 3/18
leftatthetrafficlights 1/24
LittleMissDetermined 4/8
Makingabobor2 1/15
MoneyFreedom24Mrs CautiousProdigal50 15Rupacomp 1/15
Saver-upperSecondStar 2/TF
short bird 4/18
Worlds Worst Superhero 20🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
2
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First NSD of sept for me today 🥰Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
One for yesterday, so that’s number 5 😊
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 -
First one yesterday! 🙌'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 -
It's one for me today please
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60001
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