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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day 19 as taking part in the economic boycott: only permitted spends are from small businesses and paying them in cash if they take it...‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.4 -
Nsd for me 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 -
Reporting 5 more NSDs taking me up to 14 for February 😁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/ £10003 -
NSD Friday here 😊 And exceeded my target 🎊🎉🥳
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 6 books of target 52 in 2026 as @ 18th 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.3 -
Another one for me pleaseCurrent No Spend Challenge: 11/13
2025 No Spend Days: 11/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20303 -
February 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
February targetsAuntieL 14/18
beanielou 22/19
birdsfoottrefoil 8/10
Caeraugirl 15/20
Cassingtonbear 9/10
cathybird 20/15
Clarabelle73 2/15
Crazybee787 15/19
cuddlymarm 16/15
Dizzycap 26/20
Doris17 10/15
emmaj30 8ET22 15/10
GeorgianaCavendish 3/8
Honeysucklelou2 1/10
InDebtEnby 18/15
Jay1 2 12/12
KajiKita 21/20
laura lau 19/18
laurenh1 19/18
LittleMissDetermined 19/16
Louise600 12/10
Makingabobor2 11/15
Money Choices 10/10
Optimistic Saver 21/20
Pauper1 4/20Pinkpieuni 15/10
QueenJess 20/15
Saver-upper 15SecondStar 19/15
short bird 19/18
Thriftymissus 24/22
Tjh1412 15To see the updated results for February on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Closing out Feb on 19 NSDs! See you in the March thread! ‘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 / £2,2001 -
@SecondStar well done see you on the March thread! 1
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Finished with 9/10. Got complacent towards the end of the month as I started well. Still ended below my grocery budget, so happy still.No.13 in the 2025 saving money challenge. Target £36,000.
Monthly grocery budget challenge: £720
NSD challenge: target 10 a month
Fat loss quarterly challenge: 21%body fat to 17%.3 -
Well done on keeping to budget @Cassingtonbear, and every NSD is a win! See you on the March thread. 1
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