Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Joyous January's No-Spend Days Challenge!
Comments
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Hi @cathybird Please could I have 1 for today making my total 5/19 - Thanks so much. Have a lovely eveningXXMission Number One: Get a job!
Mission Number Two: Get a lodger!
Mission Number Three: Clear debt, starting balance: £1997.17, balance now: £1939.22
Mission Number Four: Keep Job!
Once accomplished all four missions come back and start new missions!1 -
Can I join with a target of 15 NSD please!1
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BRILLIANT IDEA!Dizzycap said:Well done everyone
I'm on NSD 6 and not likely to be going shopping anytime soon. Plenty in and too ill to go out, even if I wanted to.Bank card frozen in my bank app so no temptation to spend online and I'm loving it!
Widowed November 2024
navigating whatever fresh hell this ‘new’ life is, as best I can, for our kids and in his memory.1 -
NSD #6 today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7002 -
Hello! Today is my second NSD. Would have had yesterday too but as it snowed I found out my son’s wellies don’t fit him I had to buy more!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 £15975.482 -
Another NSD for me today, resisted the lure of takeout coffee and raiding the bakery to get me through first day back at work2025 in 2025- 2027/2025
365 savings challenge- £41.12/667.951 -
Back at work today so no time to spend! 😂
NSD 5 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 46 books of target 52 in 2025, as @ 28th August
Produce tracker: £353 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Day 4 for me today.
January NSD8/102 -
5/15 for Optimistic Saver
Checking in early for another NSD tomorrow - partly as a pledge (a way of making me stick to my no spend guns 😁)From Jan 25:
4,419.92-1,957.50
4,538-3,260
3,240.18-3,240.18
BL 1,900-1,120
Total: 12,182.91-9,577.68
🏆 ⬇️ by £2,605.23
NSD July 4/18
#58 1p: 226.97/667.95 212/365
#18 52: 1,063.89/1,378 27/52
#32 Make 2025: 941.31/2,025
#20 12k: 5,145.85/5,000
Vin 86.50
YG YL 100
Prol SB 311.81
Bank 364.32
Quid 100.03
Ched 49.77
Snap 20
Books 4.02
Monzo 2,232.17
TSB 700/2,700
FD 1,100/3,500
Atom 200
Prin 600/1,224.74
Invest 313.68
🏆 ⬆️ Total: £5,145.85
Trading: £793.73
Mortgage: £58,471.881 -
I am baaaaaaaaaaaack!!!
Oh my! Some of you may remember I was having trouble logging into MSE for a long time last year. After a while, I just gave up. But I have missed this thread ♥️.
Anyway, after spending lots of time trying everything I could to get back here yesterday, I emailed the forum team (again), and finally got back into here this afternoon 🎊. It's great to be back!
Cathy- bird I am aiming for 12 NSDs this month please (and would like to build up to 15, maybe February).
So far I have had 6 NSDs this month. Still eating our way through Christmas supplies 🤣. For this challenge, I don't count spending on bread, milk or petrol The only thing I've bought this year is bread and milk.
It's so lovely to be back. Hope I don't get lost again! 🤣SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.506
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