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Fabulous February's No-Spend Days Challenge!
Comments
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One of me today please 8/15.
"My Life Is About The Journey Not The Destination"2 -
9/19 Please @cathybird Thank you.Goal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 6/15
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 2.3K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one? Do I?2 -
NSD here today 😊👏
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 7 books of target 52 in 2026 as @ 23rd January
Produce tracker: £29 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 -
Another NSD today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £92,396.89 (10years 4months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £44.43/ £10002 -
Thriftymissus - Super! I love non-spend shops like thatThriftymissus said:Hello all, another NSD today, bringing it to 9.I’ve got a ‘haul’ of toiletries today, paying with Boots points and three little M&S rolls using a Love2Shop voucher I was given. Very chuffed about this! Boots are the most generous points I think! 😍
I too think Boots are very generous with their points 
but I will only buy if: 1) It's a really good deal on my necessities and 2) If there are plenty of extra bonus points available so I can build them up to a totally free spend 
Plus, the extra cashback through TCB All in all, a great deal!
# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £2454.88 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £30 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge 2026 £25/£230 (1)# Make £2026 in 2026 £834.42 / £2026 (1)2 -
An NSD on the 9th and today.
Yesterday I went out for a free meal (on pub quiz winnings) but still had to buy a drink.Toodle-pip :hello:1 -
February 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
February targetsAuntieL 6/18
beanielou 10/19
birdsfoottrefoil 3/10
Caeraugirl 4/20
Cassingtonbear 5/10
cathybird 9/15
Clarabelle73 2/15
Crazybee787 9/19
cuddlymarm 6/15
Dizzycap 11/20
Doris17 8/15
emmaj30 8ET22 10GeorgianaCavendish 3/8
Honeysucklelou2 1/10
InDebtEnby 4/10
Jay1 2 6/12
KajiKita 9/20
laura lau 5/18
laurenh1 7/18
LittleMissDetermined 7/16
Louise600 6/10
Makingabobor2 5/15
Money Choices 10Optimistic Saver 7/20
Pauper1 4/20Pinkpieuni 6/10
QueenJess 6/15
Saver-upper 15SecondStar 8/15
short bird 7/18
Thriftymissus 9/22
Tjh1412 15To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Totally with you 😍Dizzycap said:
Thriftymissus - Super! I love non-spend shops like thatThriftymissus said:Hello all, another NSD today, bringing it to 9.I’ve got a ‘haul’ of toiletries today, paying with Boots points and three little M&S rolls using a Love2Shop voucher I was given. Very chuffed about this! Boots are the most generous points I think! 😍 I too think Boots are very generous with their points but I will only buy if: 1) It's a really good deal on my necessities and 2) If there are plenty of extra bonus points available so I can build them up to a totally free spend Plus, the extra cashback through TCB All in all, a great deal!
I was swapping things around when I was choosing them to get the most value I could, choosing the most heavily discounted. I’ve not bought through TCB in so long! I need to get back there I think.2 -
Declaring a NSD today 11/20I hope it's an 'angel gif' NSD day for a few more NSDers today
# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £2454.88 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £30 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge 2026 £25/£230 (1)# Make £2026 in 2026 £834.42 / £2026 (1)1 -
One today.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2
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