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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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 -
February targetsAuntieL 18bamboo socksbeanielou 19BestnamesRgonebloomfeltBluefeathers32Caeraugirl 20Cassingtonbear 10cathybird 15CombenewcraftingmadCrazyBee787 19cuddlymarm 15Diane1276Dizzycap 20Doris17 12felicityBD15Flick85FrugalontoastHoneysucklelou2 10Jay1 2 12KajiKita 20Lanky Larrylaura lau 18laurenh 18Lillian1977LittleMissDetermined 16Louise600 10Makingabobor2 15Money ChoicesNexgennNintudOptimistic Saver 20PalmTreeOne 20Pauper1 20peacockingQueenJess 15RupacompSausageroll14Saver-upperSecondStar 15SerenitySevenshort bird 18Thriftymissus 22Tjh1412 15try hardertryingmybesthonest🌞 🌞 Everyone welcome to join! 🌞 🌞1
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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 25/20
bamboo socks 2/10
beanielou 28/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 21/20
Cassingtonbear 9/15
cathybird 19/15
Combenew 10craftingmad 2/16
Crazybee787 21/19
cuddlymarm 18/15
Diane1276 10Dizzycap 26/27
Doris17 17/15
felicityBD15 2/10
Flick85 3/10
Frugalontoast 8/15
Honeysucklelou2 4/10
Jay1 2 14/10
KajiKita 24/20
Lanky larry 9/20
laura lau 17/18
laurenh1 23/20
lilian1977 5/20
LittleMissDetermined 15/16
Louise600 8/10
Makingabobor2 12/15
Money Choices 9/10
Nexgenn 6/10
Nintud 2/8
Optimistic Saver 18/20
Pauper1 19/20
peacocking 18/25
QueenJess 17/15
RupacompSausageroll14 5/20
Saver-upper 12/15
SecondStar 17/15
SerenitySeven 10short bird 16/18
Thriftymissus 22/22
Tjh1412 18/15
try harder 15tryingmybesthonest 22To see the updated results for January on phone or tablet, click here
🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
Declaring a NSD today.
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 -
I bought non-stick baking paper today because I'm not too broke to avoid scrubbing 🤭Toodle-pip :hello:2
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Another NSD 26/27 - Coming into the home straight now
# 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)3 -
27th & 28th were NSDs, and today should be as well, which will bring me to 19/20Make £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 -
Even though it's a shorter month, and this month was tight to hit target, I'm going to aim for 20 again 🤣 why not eh?!cathybird said:
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
February targetsAuntieL 15bamboo socksbeanielou 19BestnamesRgonebloomfeltBluefeathers32Caeraugirl 20Cassingtonbear 10cathybird 15CombenewcraftingmadCrazyBee787 19cuddlymarm 15Diane1276Dizzycap 20Doris17 12felicityBD15Flick85FrugalontoastHoneysucklelou2 10Jay1 2KajiKita 20Lanky Larrylaura lau 15laurenh 20Lillian1977LittleMissDetermined 16Louise600Makingabobor2 15Money ChoicesNexgennNintudOptimistic SaverPauper1peacockingQueenJess 15RupacompSausageroll14Saver-upperSecondStar 15SerenitySevenshort bird 18ThriftymissusTjh1412try hardertryingmybesthonest🌞 🌞 Everyone welcome to join! 🌞 🌞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 £11015.303 -
9/15 for me. It helps when all the shops around me are closed the last couple of days!No.13 in the 2025 saving money challenge. Target £36,000.
Monthly grocery budget challenge: £720
NSD challenge: target 10 a month
Fat loss quarterly challenge: 21%body fat to 17%.1
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