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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Another NSD today 😁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 -
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.
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001 -
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 February2
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Another one for today please xx1
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Reporting in with another NSD today, bringing me to 16/20 NSDs so far.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 -
January 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 22/20
bamboo socks 2/10
beanielou 25/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 17/20
Cassingtonbear 6/15
cathybird 16/15
Combenew 10craftingmad 2/16
Crazybee787 19/19
cuddlymarm 18/15
Diane1276 10Dizzycap 23/27
Doris17 16/15
felicityBD15 2/10
Flick85 3/10
Frugalontoast 8/15
Honeysucklelou2 4/10
Jay1 2 13/10
KajiKita 22/20
Lanky larry 9/20
laura lau 16/18
laurenh1 20/20
lilian1977 5/20
LittleMissDetermined 13/16
Louise600 7/10
Makingabobor2 10/15
Money Choices 9/10
Nexgenn 6/10
Nintud 2/8
QueenJess 15/15
Optimistic Saver 16/20
Pauper1 16/20
peacocking 18/25
RupacompSausageroll14 5/20
Saver-upper 12/15
SecondStar 10/15
SerenitySeven 10short bird 14/18
Thriftymissus 20/22
Tjh1412 18/15
try harder 15tryingmybesthonest 22To see the updated results for January on phone or tablet, click here
🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
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 it

maraca 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 with
Declaring a definate NSD for me today 24/27 far too tired already this morning to spend
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1934.27 / £2026 (4)2 -
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
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2003
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