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Joyous January's No-Spend Days Challenge!
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5 NSDs so far…finding this really useful for stopping me popping into the shop on the way home from work for this and that. Been cooking meals based on what’s already in the cupboard/fridge/freezer.3
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Good morning x another NSD today, bringing me to 10.
not going anywhere except the kitchen to cook a roast.2 -
One today for me please
Thanks 😀
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001 -
Happy Sunday guys. Hope you’re keeping warm!Another NSD for me, today - finally - bringing my total to 8/20 NSDs
I would really like to smash my target, so am going to have to knuckle down with planning and determination.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 -
Declaring early for today as I want the 10 days emoji 😉😊
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.4 -
Declaring a NSD today. DD was ill in the night so we cancelled our pub lunch.2026 decluttering: 1,120 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 317🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0002 -
One today.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
Not today, I found I need a new gas key so at the same time spent money on nail clippers (needed) and SFD Birthdays presents and card. £65 altogether, I am thinking what I have got SFD is quite nice, but I am also thinking I could probably have got it cheaper had I got it in the summer as with Christmas present, anyhow it is done now! And that is it for a while I hope.1
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5/10 for yesterday!1
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Early call for day 8. (off to work later.)‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.1
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