Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Fabulous February's No-Spend Days Challenge!
Comments
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Another NSD today.2026 decluttering: 1,156 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 335🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0002 -
Two more NSDs for me - Wed and Thurs 😁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/£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
Personal MSE 2026 Money Saving Challenges:# No.2 Save 1p A Day Challenge 2026 £295.85 / £667.95 (5)# No.4 Save £12k in 2026 - £7495.78 / £12,000 (5)# £10-a-Day Challenge 2026 - £163.16 / £1825 (5)# No.8 Sealed Pot Challenge 19 (24/10) 286.45 / £400 (5)# No.27 - Top Up EP 2 £865 / £2880 (5).# Decluttering Challenge (5)# No.4 £2 Savers Club 2026 - Completed# No.5 Fiver Friday Challenge 2026 - Completed# Make £2026 in 2026 - Completed# Spectos Mailagent - Ready2 -
Another two NSDs for me, please, @cathybird 😍 bringing me to 9/20
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 -
Good morning, NSD yesterday.
Challenges
NSD - May - 1/10
1. 2026 Mortgage-Free Wannabes #61 £19,133.06/£29,000, MF target June 2026, current mortgage balance - £9,500
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £106/£1,378 -( 1/52)
4. EF - £1,292
3 -
Good morning
Another one today for me please, making it 8/15
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2003 -
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 £4861/£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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