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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NSD here 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 of £400 in 2026
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 = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10000 -
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!
# 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 -
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! 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: £54,048.732 -
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
# 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 -
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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