Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Fabulous February's No-Spend Days Challenge!
Comments
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Another NSD today.2026 decluttering: 319 🤑🥉 ⭐️🥈🥇
2026 use up challenge: 109🥉 ⭐️🥈🥇
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3002 -
Two more NSDs for me - Wed and Thurs 😁MFW 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/ £10001 -
February 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
February targetsAuntieL 8/18
beanielou 11/19
birdsfoottrefoil 3/10
Caeraugirl 5/20
Cassingtonbear 7/10
cathybird 11/15
Clarabelle73 2/15
Crazybee787 9/19
cuddlymarm 8/15
Dizzycap 13/20
Doris17 9/15
emmaj30 8ET22 10GeorgianaCavendish 3/8
Honeysucklelou2 1/10
InDebtEnby 4/10
Jay1 2 7/12
KajiKita 11/20
laura lau 12/18
laurenh1 9/18
LittleMissDetermined 9/16
Louise600 7/10
Makingabobor2 6/15
Money Choices 5/10
Optimistic Saver 9/20
Pauper1 4/20Pinkpieuni 8/10
QueenJess 8/15
Saver-upper 15SecondStar 8/15
short bird 9/18
Thriftymissus 11/22
Tjh1412 15To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Good morning NSDersDeclaring an early NSD Friday 13/20 - Another day of appointments and no time to spend!Wishing everyone a great NSD Valentine's Day
# 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 -
Another two NSDs for me, please, @cathybird 😍 bringing me to 9/20
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 -
Good morning, NSD yesterday.
Challenges
NSD - January - 8/10
1. 2026 Mortgage-Free Wannabes #61 £1,269 /£29,000, MF target May 2026, current mortgage balance - £28,616.15
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
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Good morning
Another one today for me please, making it 8/15
Pay off by Xmas 2026 £175/£2324.67
January NSDs 11/15
January PADs £545
January grocery challenge £94.86/£1503 -
Hello, well I decided not to buy a Valentine's card - I don't appear to have made one either -- oh well, am cooking a lovely meal later
Today will be NSD number 11.
Regretted spending yesterday -- bought two TooGoodToGo bags, one from Greggs and one from Morrisons and ended up throwing more stale food away than I would have liked, plus I am sulking that my Greggs one didn't have any cake!
Happy Valentine's Day all, here's a big no-spend hug from me x3 -
One for me today - Happy Valentines
Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60003 -
Morning, apologies I'm a bit behind in declaring days because I'm away, but every day since Saturday 8th to (and including) today have been NSD, so I have to add 7 more NSD!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/662
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