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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NSD here 😊
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 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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 -
NSD today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7000 -
Optimistic_Saver said:My final NSD of the month today, as I’m meeting up with a friend for coffee tomorrow. Just made my target, by the skin of my teeth 😁
20/20 NSDs for Jan
- Awesome!
~ NSD 2025 - NSD November 15/15 (11 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & 2 x Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1698.68 / £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 £21,877.08 / £12,000 💯 (11) - Continuing2 -
Thanks so much, @DizzycapDizzycap said:Optimistic_Saver said:My final NSD of the month today, as I’m meeting up with a friend for coffee tomorrow. Just made my target, by the skin of my teeth 😁
20/20 NSDs for Jan- Awesome! 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: £58,471.882 -
January 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 27/20
bamboo socks 2/10beanielou 30/19
BestnamesRgone 15bloomfelt 8/10
Bluefeathers32 10Caeraugirl 23/20
Cassingtonbear 10/15
cathybird 21/15
Combenew 10craftingmad 2/16Crazybee787 22/19
cuddlymarm 18/15
Diane1276 10Dizzycap 28/27
Doris17 18/15
felicityBD15 2/10Flick85 3/10Frugalontoast 8/15
Honeysucklelou2 4/10Jay1 2 15/10
KajiKita 26/20
Lanky larry 9/20
laura lau 19/18
laurenh1 23/20
lilian1977 5/20
LittleMissDetermined 15/16
Louise600 10/10
Makingabobor2 12/15
Money Choices 9/10
Nexgenn 6/10
Nintud 2/8Optimistic Saver 20/20
Pauper1 20/20
peacocking 18/25
QueenJess 19/15
Sausageroll14 5/20
Saver-upper 12/15
SecondStar 17/15
SerenitySeven 10short bird 17/18
Thriftymissus 24/22
Tjh1412 18/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
@Crazybee787 yes I'm fond of the monster! xx
Congrats to everyone who has reached or surpassed their target, especially @beanielou - think 30 for Jan is a record! xx 2 -
Thanks @cathybird , well done Beanie, Today I have spent £7.99 on tokens for a game, in fairness to me I choose the cheapest option, but still an overbudgeted spend. Thank you Cathybird See you in February.1
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Today is also going to be a NSD 28/27
Well done everyone
~ NSD 2025 - NSD November 15/15 (11 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & 2 x Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1698.68 / £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 £21,877.08 / £12,000 💯 (11) - Continuing2 -
Yesterday was a NSD so I hit 20/20 🙌 today will be spendy as need to get some food shopping, but that should mean I hopefully start Feb with a run of NSDs!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 -
Good morning, it’s gonna be NSD number 24 for me today. Was going to buy an In Sympathy card but am using one I have already with just a picture on, it’s the personal message I’ll add that matters after all x2
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