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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Thankyou for starting a new thread @cathybird
I've had a really tough 2024 and a lot has slipped through the net. I'd like to try and get back on track for 2025 and ease myself back in with a goal of 10 nsd's for January. I've downloaded the app for my phone so I can hopefully keep up with posting a bit better.January NSD8/102 -
I have to retrain myself not to spend money after a few days of continuous spending, I am trying to tell myself to not spend for the first 19 days, then I will have some spending days later on. Which means I feel like crisps I will wait for my groceries and not add it on to my fuel trip, keeping as many no spend days as possible. Sorry for the waffle. Happy New Year. Please @cathybird can I have one for today...thank you XX1
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First NSD of the month and the year for me please. Determined to do better this yearMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £630/3000
.
Studies/surveys April.....£131.34
Decluttering items 1402/2025. 195/2026
Books read 23 in 2025. 2026- 11 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Day 1: haven't been out, not bought anything online...‘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 -
Starting the year with NSD. Happy new year!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 43.5/661 -
Counting today as DMIL paid for lunch, I bought milk but used the food budget and I was passing the big T3sco so got the GreenJinn Minor Figures milk - they don't have it in my local one and it's much nicer, the £1 off brings it to pretty much the price of the A1di one. NSD 1.1
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Happy New Year everyone!
Starting the year with an NSD 😁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/£10001 -
Declaring a NSD for today. Probably not another one for a few days as I have some things planned whilst DS is still on school holidays.
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 👑1,0001 -
First NSD for me today too. Only ventured to the in laws and didn't buy anything online
Make £2025 in 2025 #18 - £569.66/£2025
1p savings challenge #32 £24.85/£667.95
March - 0/15 NSD, £189.29/£168.75 made, PAD £72/£186, £184.87/£400 GC
Total debts Jan 1st £11706.68 😭
Jan 29th £11354.92
Mar 1st £11015.301 -
Hi there - could I join, please? With a NSD target of 15…. 🤞 Off to a good start, with no spending today. 1/15 🙌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
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