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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Ending the month with an NSD 😁
Well done everyone!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/£10002 -
Hi guys and well done everyone
Today wasn’t a NSD but I’m very proud of the 18/15 that I achieved in January.
Now on to February
Good luck guys
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2003 -
January 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 28/20
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 10/10
Jay1 2 15/10
KajiKita 27/20
Lanky larry 9/20
laura lau 20/18
laurenh1 23/20
lilian1977 5/20
LittleMissDetermined 17/16
Louise600 11/10
Makingabobor2 14/15
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 14/15
SecondStar 22/15
SerenitySeven 10short bird 18/18
Thriftymissus 24/22
Tjh1412 21/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
3 more for me this week including today2
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I was going to look for garden furniture today but ended up going to a chemist to buy meds instead. Essentials so an NSD.
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- 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 26 books of target 52 in 2026 as @ 12th 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.1 -
Well done everybody for January Loads of NSDs this month! I added them up and between everyone we did 566 NSDs, or about a year and a half of NSDs, just in Jan! That's a lot of money saved I think xx See everyone on the February thread!
4 -
Ended January on 22 NSDs ‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’Frugal living in 2024.
Frugal living in 2025.
Frugal living in 2026.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
6 month Emergency Fund: £5,768 / £8,000
Nationwide 1 year 6.5% Savings - £1,600 / £2,2002 -
Well done @SecondStar! See you on the February thread xx 2
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Late to finish the month…Thursday ( 30th) was a NSD making 10/10 for January.paydbx2026 #19 £1499/£6000 . Mortgage start £148k June 23 - now £133k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.171 -
Well done Honeysucklelou2, see you on the Feb thread 0
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