February 2025 NSD challenge
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Fabulous February's No-Spend Days Challenge!
Comments
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Yes for Monday and 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.1 -
CrazyBee787 said:I don't think I am going to reach target this month another spendy day today, and I was thinking this morning how I could make it non spendy, instead I paid for parking, I paid for breakfast bap then I paid for lunch, it is all a bit naff really I should have done a lot better.10 NSDs out of 18 possible NSDs is great!
Don't beat yourself up 
It's so very easy to have slips and I remember it being a real struggle the first year of NSDs and I don't think I ever reached a traget but I eventually sat down with my bank statements and ringed every unneccesary spend, totalled it and was disgusted, and that changed my mind set to beginning the month with 5 days of NSDs, a break, 5 more NSDs etc so that I could organise my spending and spending days as best as I could. That's when it got easier as I transferred the money I would have spent into an online savers account and it soon added up, plus I became far more organised with food shopping with zero waste - I only do 2 food shops each month with a tight list, and bulk shopping for household and personal absolute essentials, when needed, which has worked out far cheaper in the long run, so anything I save on shopping, I also put in the online saver account# 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)5 -
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
February targetsAuntieL 9/18
beanielou 15/19
birdsfoottrefoil 5/10
Caeraugirl 9/20
Cassingtonbear 8/10
cathybird 14/15
Clarabelle73 2/15
Crazybee787 10/19
cuddlymarm 10/15
Dizzycap 18/20
Doris17 10/15
emmaj30 8ET22 3/10
GeorgianaCavendish 3/8
Honeysucklelou2 1/10
InDebtEnby 12/15
Jay1 2 10/12
KajiKita 14/20
laura lau 14/18
laurenh1 12/18
LittleMissDetermined 12/16
Louise600 9/10
Makingabobor2 8/15
Money Choices 8/10
Optimistic Saver 11/20
Pauper1 4/20Pinkpieuni 8/10
QueenJess 12/15
Saver-upper 15SecondStar 12/15
short bird 12/18
Thriftymissus 16/22
Tjh1412 15To see the updated results for January on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Thriftymissus - Welcome to the dancing coffee cup gif club!
- Don't you just love it? and 16 angels too WOW!I am going to declare an exceedingly early NSD Thursday before I go off back to bed, which I'm sick of seeing and laying in# 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 -
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 -
Thanks @dizzycap I am going to try to today to turn it around, it is possible if I have a straight run that I reach my target so I am going to try and i'll let you know how I get on later. Thanks.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 -
Hello all, I’m all set for NSD 16 today. Thank you @Dizzycap for your congratulations- I’m hoping for a good few days ahead to reach my target x2
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One for me today please
LMD xLife 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/£60002 -
Up to 12 NSDs for Feb ‘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
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