Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 1/18
We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Joyous January's No-Spend Days Challenge!
Options
Comments
-
Hi @cathybird Please could I have 1 for today making my total 5/19 - Thanks so much. Have a lovely eveningXX1
-
Can I join with a target of 15 NSD please!1
-
Dizzycap said:Well done everyoneI'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 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards