Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Joyous January's No-Spend Days Challenge!
Comments
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Hello. 1 NSD today for me please. Thank you
Car loan £8105.35 57/60 payments left of £141.80 per month
Loan £6687.23 55/58 payments left of £165 per month
Nationwide £1183 (0% interest until 02/2026)
Total debt £15975.481 -
16/19 Please @cathybird Thank you
Goals for 2026: -
- Save £4000 EF
- Save for a holiday if possible as well (secondry)
- No spends days 15+
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Another one for me please, making my total 14/15
Thanks
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001 -
Another NSD 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 -
Another for me today.#15 Save £12k in 2026 £4500/£120001
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8/15 NSD- bloody hell, it’s surprisingly hard this isn’t it? 😬2
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NSD Monday here 😊
It’s about building new habits which inevitably takes time, but you’re doing okay at 8/15 by this stage of the month 😊 You have 7 more NSDs to find in 11 days of the month. There’s a good chance you’ll do it and if not, you can always try again next month 😊Frugalontoast said:8/15 NSD- bloody hell, it’s surprisingly hard this isn’t it? 😬
Love your name btw 😊
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 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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.2 -
@Frugalontoast what @KajiKita said - it does get easier over time! xx1
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January 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 17/20
bamboo socks 2/10
beanielou 20/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 14/20
Cassingtonbear 3/15
cathybird 14/15
Combenew 10craftingmad 2/16
Crazybee787 16/19
cuddlymarm 14/15
Diane1276 10Dizzycap 19/27
Doris17 14/15
felicityBD15 2/10
Flick85 3/10
Frugalontoast 8/15
Honeysucklelou2 4/10
Jay1 2 10/10
KajiKita 17/20
Lanky larry 9/20
laura lau 11/18
laurenh1 17/20
lilian1977 5/20
LittleMissDetermined 9/16
Louise600 6/10
Makingabobor2 8/15
Money Choices 6/10
Nexgenn 6/10
Nintud 2/8
QueenJess 12/15
Optimistic Saver 13/20
Pauper1 12/20
peacocking 14/25
RupacompSausageroll14 5/20
Saver-upper 12/15
SecondStar 10/15
SerenitySeven 10short bird 12/18
Thriftymissus 16/22
Tjh1412 14/15
try harder 15tryingmybesthonest 22To see the updated results for January on phone or tablet, click here
🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
It's definately a NSD for me. Bed rest & bank card re-frozen in the banking app. Total 19 and the maracas are getting closer
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1886.43 / £2026 (4)1
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