Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Joyous January's No-Spend Days Challenge!
Comments
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Hello. 1 NSD today for me please. Thank youCar 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 £15975.481 -
16/19 Please @cathybird Thank youMissions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.1 -
Another one for me please, making my total 14/15
Thanks
Sept Turtle 12/16 NSDs
Sept PADs £6351 -
Another NSD today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
Another for me today.#21 Save £12k in 2025 £19277.35/£200001
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8/15 NSD- bloody hell, it’s surprisingly hard this isn’t it? 😬2
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NSD Monday here 😊Frugalontoast said:8/15 NSD- bloody hell, it’s surprisingly hard this isn’t it? 😬
Love your name btw 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 58 books of target 52 in 2025, as @ 12th October
Produce tracker: £426 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.2 -
@Frugalontoast what @KajiKita said - it does get easier over time! xx1
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January 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 17/20bamboo socks 2/10beanielou 20/19BestnamesRgone 15bloomfelt 8/10Bluefeathers32 10Caeraugirl 14/20Cassingtonbear 3/15cathybird 14/15Combenew 10craftingmad 2/16Crazybee787 16/19cuddlymarm 14/15Diane1276 10Dizzycap 19/27Doris17 14/15felicityBD15 2/10Flick85 3/10Frugalontoast 8/15Honeysucklelou2 4/10Jay1 2 10/10KajiKita 17/20Lanky larry 9/20laura lau 11/18laurenh1 17/20lilian1977 5/20LittleMissDetermined 9/16Louise600 6/10Makingabobor2 8/15Money Choices 6/10Nexgenn 6/10Nintud 2/8QueenJess 12/15Optimistic Saver 13/20Pauper1 12/20peacocking 14/25RupacompSausageroll14 5/20Saver-upper 12/15SecondStar 10/15SerenitySeven 10short bird 12/18Thriftymissus 16/22Tjh1412 14/15try harder 15tryingmybesthonest 22To see the updated results for January on phone or tablet, click here🌞 🌞 Everyone welcome to join! 🌞 🌞1
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It's definately a NSD for me. Bed rest & bank card re-frozen in the banking app. Total 19 and the maracas are getting closer~ NSD 2025 - NSD October 16/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1278.68 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £20,075.12 / £12,000 💯 (8) - Continuing1
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