Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 1/18
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Joyous January's No-Spend Days Challenge!
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Another two for yesterday and today - avoided spending at work both days.#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 4/101 -
Another NSD for me today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
Another NSD today for me please. I’m finding this thread really helpful, 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 £15975.483 -
6/25 for me. Another long day at work removed (almost) all temptation.About 35k March 24
<then many hours working, little sleep, much grumbling>
Now:
£13577 Jan 25
£11100 End Jan 251 -
Hi @cathybird Can I class meds (£3.99) as a necessity and salt ((£1.15) too for a wound? If yes please put me down for 6/19 please if not 5/19 still. Thanks. I am thinking they were necessary and I avoided take out, but I will leave it to you to judge..Thanks.1
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I am publicly committing to another NSD tomorrow.This thread is brilliant - thanks so much! Taking part in this challenge is helping me realise how often I am tempted to spend - on the back of a marketing email; special offer or ‘bargain’. Or moments of browsing the Internet and thinking I really need something I’ve seen 🙄
Can I up my target to 20 NSDs, please, cathybird? Including tomorrow that will take me to 6/20 NSDs.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: £58,471.883 -
Declaring another NSD today.2025 decluttering: 3,925🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 334🥉🥈🥇💎🏆
Big kitchen declutter challenge 109/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5003 -
NSD Tuesday here 😊
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.1 -
Day 5 for me today please CathybirdJanuary NSD8/101
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Today was a NSD, despite being an office day. I brought breakfast, lunch and water. Then I went to the company internal shop and didn’t buy anything, then when I was at the station waiting for my train, I didn’t even go into my favourite grocery shop to see what was discounted because it was expiring today. I always end up to buy something on my office days, so I’m very pleased I stuck to my decision today!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/664
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