Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Marvellous March's No-Spend Days Challenge!
Comments
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Yesterday was one for me so I'm up to 3 nowCurrent No Spend Challenge: 11/13
2025 No Spend Days: 11/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
MD and me couldn't decide on a place to go for a drink and cake, so we decided to go straight home from the hospital, saving us both our cash. A No spend day number 3 please @cathybird thank you so much.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?2 -
Have paid for next year's garden waste subscription today, but as it's a household bill I'm not counting it as a spend. So claiming today as another NSD#21 Save £12k in 2025 £25577.35/£200002
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Not one for me today, paid for tickets for a show in September but a nice spend 😊Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6602
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oooh what are you going to see?BadBookkeeper said:Not one for me today, paid for tickets for a show in September but a nice spend 😊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 -
NSD Tuesday for me 😁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/ £10002 -
Tuesday is day 3.‘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.2 -
Six at a local theatre, part of a ‘5 things to do together because we’re 50’ with my bestie.CrazyBee787 said:
oooh what are you going to see?BadBookkeeper said:Not one for me today, paid for tickets for a show in September but a nice spend 😊Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6603 -
NSD here 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 -
Sadly no NSD here today, pancake day tre*ts got the better of me
March No Spend 10 day Challenge: 9/102
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