February 2025 NSD challenge
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Fabulous February's No-Spend Days Challenge!
Comments
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Up to 10/15 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-up3 -
Another NSD today.
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)
3 -
One 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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
February targetsAuntieL 9/18
beanielou 17/19
birdsfoottrefoil 5/10
Caeraugirl 10/20
Cassingtonbear 9/10
cathybird 17/15
Clarabelle73 2/15
Crazybee787 13/19
cuddlymarm 13/15
Dizzycap 21/20
Doris17 10/15
emmaj30 8ET22 3/10
GeorgianaCavendish 3/8
Honeysucklelou2 1/10
InDebtEnby 13/15
Jay1 2 11/12
KajiKita 16/20
laura lau 14/18
laurenh1 14/18
LittleMissDetermined 14/16
Louise600 9/10
Makingabobor2 10/15
Money Choices 8/10
Optimistic Saver 16/20
Pauper1 4/20Pinkpieuni 11/10
QueenJess 14/15
Saver-upper 15SecondStar 14/15
short bird 14/18
Thriftymissus 19/22
Tjh1412 15To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Well done everyone for a Fabulous NSD Friday!
Look at that Michael Jackson dancing monster
That's really made me smile 
# 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)4 -
Declaring a Super NSD Saturday 21/20 - Sadly I won't be going out for a Mr.Whippy ice-cream today as I'm far too fatigued
- Never mind, at least it's stopped raining for a while
# 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 -
Good morning guys
Another one for me today please, making it 13/15
Pay off by Xmas 2026 £175/£2324.67
January NSDs 11/15
January PADs £545
January grocery challenge £94.86/£1503 -
An early call for 16/20 NSDs for me, please, @cathybird - thanks so much!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 -
Hello, wishing everyone a lovely weekend.I’ll be buying petrol today and not grabbing a chocolate bar at the same time 😀
this will be NSD number 19 for me today as petrol is a necessity I don’t count, so inching towards my target, which feels like a slog but worth it as I’ve seriously reduced debt and added to savings.
well done @cathybird on going past your target
and I hope you are okay @dizzycap, thanks for all your encouragement for everyone -- and for showing us how it's done!3 -
Declaring a NSD 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
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