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 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 = £150,894 (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 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- 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 28 books of target 52 in 2026 as @ 23rd 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 -
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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