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!
Comments
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NSD here 😊
KKAs at 15.05.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £235,841
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 32 books of target 52 in 2025, as @ 28th June
Produce tracker: £183 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 = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£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 July 3/20 (6 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1234.34 / £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 £12,114.14 / £12,000 💯 - Continuing2 -
Dizzycap 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:
4,419.92-2,000
4,538-3,260
3,240.18-3,240
BL 1,900-1,220
Total: 12,182.91-9,720.18
🏆 ⬇️ by £2,462.73
NSD June 16/18
#58 1p: 165.46/667.95 181/365
#18 52: 1,035.16/1,378 26/52
#32 Make 2025: 935.58/2,025
#20 12k: 4,750.06/5,000
Vin 86.50
YG YL 100
Prol SB 311.81
Bank 364.32
Quid 100.03
Ched 49.77
Sprive 21.25
Snap 20
Books 4.02
Monzo 2,136.20
TSB 700/2,700
FD 800/3,500
Atom 200
Prin 600/1,224.74
Invest 313.86
🏆 ⬆️ Total: £4,750.06
Trading: £1,943.08
Mortgage: £59,016.072 -
January 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 27/20bamboo socks 2/10beanielou 30/19BestnamesRgone 15bloomfelt 8/10Bluefeathers32 10Caeraugirl 23/20Cassingtonbear 10/15cathybird 21/15Combenew 10craftingmad 2/16Crazybee787 22/19cuddlymarm 18/15Diane1276 10Dizzycap 28/27Doris17 18/15felicityBD15 2/10Flick85 3/10Frugalontoast 8/15Honeysucklelou2 4/10Jay1 2 15/10KajiKita 26/20Lanky larry 9/20laura lau 19/18laurenh1 23/20lilian1977 5/20LittleMissDetermined 15/16Louise600 10/10Makingabobor2 12/15Money Choices 9/10Nexgenn 6/10Nintud 2/8Optimistic Saver 20/20Pauper1 20/20peacocking 18/25QueenJess 19/15Sausageroll14 5/20Saver-upper 12/15SecondStar 17/15SerenitySeven 10short bird 17/18Thriftymissus 24/22Tjh1412 18/15To see the updated results for January on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞1
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@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! xx2 -
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 28/27Well done everyone
~ NSD 2025 - NSD July 3/20 (6 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1234.34 / £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 £12,114.14 / £12,000 💯 - 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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