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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Hi @cathybird Please could I have 1 for today making my total 5/19 - Thanks so much. Have a lovely eveningXX1
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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 Nov 2024
Trying to get back on track
July Grocery Challenge £219/£3501 -
NSD #6 today 😁MFW 2025 #45
Jan 2016 Mortgage = £150930.97 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10002 -
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 work1
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Back at work today so no time to spend! 😂
NSD 5 😊
KKAs at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 64 books of target 52 in 2026 as @ 2nd September.
Produce tracker: £315 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 -
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 😁)March 26:
MBNA 6,130 - 0% Feb 28
HAL 10,125.91 - 0% Jul 27
BL 320 - Ends Jul 26
Total: 16,575.91 less 7,000 Marcus savings = 9,575.91
⬇️ to pay down by Oct 27
NSD March 15/22
Make 2026 in 2026:
173.01/2,026
Vinted, YouGov, Bank Int & Fairer Share, Prolific, Quidco, Cheddar & SnapMyEats
Savings accounts:
Co-op 273.01/3,000
Principality 600/1,200
FD 2,000/2,000
Santander Saver 400/2,400
Lloyds 800/4,800
Cahoot 50/3,000
Invest 349.93
🏆 ⬆️ Total: £4,472.94
Mortgage: £54,048.731 -
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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