February 2025 NSD challenge
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Fabulous February's No-Spend Days Challenge!
Comments
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I had planned a no spend day, but then I didn't...oh poo!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?3 -
Another one today, up to 8/15 nowMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,424....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1150/£3000
.
Studies/surveys January £65.85
Decluttering items 1402/2025. 67/2026
Books read 23 in 2025. 2026- 3 (target is 52)
Jigsaws done 20 in 2025. 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
1 more NSD Saturday, not one yesterday, 1 more today!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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
February targetsAuntieL 8/18
beanielou 14/19
birdsfoottrefoil 5/10
Caeraugirl 7/20
Cassingtonbear 7/10
cathybird 14/15
Clarabelle73 2/15
Crazybee787 10/19
cuddlymarm 10/15
Dizzycap 17/20
Doris17 10/15
emmaj30 8ET22 3/10
GeorgianaCavendish 3/8
Honeysucklelou2 1/10
InDebtEnby 12/15
Jay1 2 7/12
KajiKita 12/20
laura lau 14/18
laurenh1 12/18
LittleMissDetermined 11/16
Louise600 8/10
Makingabobor2 8/15
Money Choices 5/10
Optimistic Saver 11/20
Pauper1 4/20Pinkpieuni 8/10
QueenJess 12/15
Saver-upper 15SecondStar 9/15
short bird 11/18
Thriftymissus 14/22
Tjh1412 15To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Look at all of those lovely angel gifs! Well done everyone
Declaring a very early NSD Tuesday 17/20 - Bed rest as usual
,except for taking babyfaces for their walks 
I'll have the delightful & delicious dancing monster gif by the weekend
February always feels like a never ending month...
Wishing everyone a fabulous NSD Tuesday
Note: If anyone has the Lidl App, there's a FREE get £2 off when you spend £2 coupon available# 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 -
Declaring a NSD very early 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 -
Yesterday was a NSD for meCurrent No Spend Challenge: 12/13
2025 No Spend Days: 12/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
Hospital appointment today so not counting spends.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.3 -
11th and 13th also no spend days for me!August 2025 total debt: £28,741
November 2025 total debt: £26,399
Cleared 8.5%Aim to be below £25,000 by 1st Jan 20261 -
Yesterday was a NSD for me please 😊Car loan £8105.35 57/60 payments left of £141.80 per month
Loan £6687.23 55/58 payments left of £165 per month
Nationwide £1183 (0% interest until 02/2026)
Total debt £15975.481
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