Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Joyous January's No-Spend Days Challenge!
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Another NSD today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Not Today @cathybird but I have had a good day and with refunds and payment etc included I have overspent on the £25 spending money budget by £6.92 - I got a few things in a local cafe come shop and I love everything I got!! So it was a very good dayXX1
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Another one for me today please.
June NSD 8/151 -
Spend day for me today but I'm declaring early a NSD for tomorrow as I want to try and see if I can get to 20 by end of January so can up my target for February2025 in 2025- 2027/2025
365 savings challenge- £41.12/667.952 -
Another one for today please xx1
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Reporting in with another NSD today, bringing me to 16/20 NSDs so far.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: £58,471.881 -
January 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 22/20bamboo socks 2/10beanielou 25/19BestnamesRgone 15bloomfelt 8/10Bluefeathers32 10Caeraugirl 17/20Cassingtonbear 6/15cathybird 16/15Combenew 10craftingmad 2/16Crazybee787 19/19cuddlymarm 18/15Diane1276 10Dizzycap 23/27Doris17 16/15felicityBD15 2/10Flick85 3/10Frugalontoast 8/15Honeysucklelou2 4/10Jay1 2 13/10KajiKita 22/20Lanky larry 9/20laura lau 16/18laurenh1 20/20lilian1977 5/20LittleMissDetermined 13/16Louise600 7/10Makingabobor2 10/15Money Choices 9/10Nexgenn 6/10Nintud 2/8QueenJess 15/15Optimistic Saver 16/20Pauper1 16/20peacocking 18/25RupacompSausageroll14 5/20Saver-upper 12/15SecondStar 10/15SerenitySeven 10short bird 14/18Thriftymissus 20/22Tjh1412 18/15try harder 15tryingmybesthonest 22To see the updated results for January on phone or tablet, click here🌞 🌞 Everyone welcome to join! 🌞 🌞0
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cathybird said:@Dizzycap, I have been meaning to say thank you for saying you like the little fellow (or lady) with the maracas
, that emoji cheers me up
I just LOVE itmaraca mania with a smile
@ KajiKita I don't blame you taking advantage of enjoying the sun, I did too, for the few hours we were blessed withDeclaring a definate NSD for me today 24/27 far too tired already this morning to spend~ NSD 2025 - NSD July 22/20 (6 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1634.34 / £2025 (58%) (3) 💯💯+# No.12 Save £2 a Day 2025 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 £13,429.74 / £12,000 💯 - Continuing2 -
24th & 25th were NSDs so I'm at 16/20
Today will require spending unfortunately.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 £11015.302 -
Good morning NSDers
Another one for me today please making my total 18/15
June NSD 8/153
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