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 £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £690/3000
.
Studies/surveys May...£66.15
Decluttering items 1400/2025. 206/2026
Books read 23 in 2025. 2026- 13 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
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 - May - 1/10
1. 2026 Mortgage-Free Wannabes #61 £19,133.06/£29,000, MF target June 2026, current mortgage balance - £9,569.36
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 - £842
3 -
One today 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 30 books of target 52 in 2026 as @ 4th May.
Produce tracker: £108 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 £295.85 / £667.95 (5)# No.4 Save £12k in 2026 - £7495.78 / £12,000 (5)# £10-a-Day Challenge 2026 - £89.85 / £1825 (5)# No.8 Sealed Pot Challenge 19 (24/10) 286.45 / £400 (5)# No.27 - Top Up EP 2 £350 / £2880 (5).# No.4 £2 Savers Club 2026 - Completed# No.5 Fiver Friday Challenge 2026 - Completed# Make £2026 in 2026 - Completed4 -
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 £295.85 / £667.95 (5)# No.4 Save £12k in 2026 - £7495.78 / £12,000 (5)# £10-a-Day Challenge 2026 - £89.85 / £1825 (5)# No.8 Sealed Pot Challenge 19 (24/10) 286.45 / £400 (5)# No.27 - Top Up EP 2 £350 / £2880 (5).# No.4 £2 Savers Club 2026 - Completed# No.5 Fiver Friday Challenge 2026 - Completed# Make £2026 in 2026 - Completed2 -
Good morning guys
Another one for me today please, making it 13/15
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2003 -
An early call for 16/20 NSDs for me, please, @cathybird - thanks so much!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 -
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: 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
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