Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Marvellous March's No-Spend Days Challenge!
Comments
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Declaring another NSD today.2026 decluttering: 1,099 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 302🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0002 -
Nsd today
Challenges
NSD - April - 8/10
1. 2026 Mortgage-Free Wannabes #61 £14,031.82/£29,000, MF target May 2026, current mortgage balance - £14,582.78
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 - £900
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Still 9/15 as bought a few things online.Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6602
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NSD #8 yesterday (Wednesday). Not one today and I got my hair cut 😄MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10002 -
NSD Thursday here 😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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 -
9/19 please @cathybird Thank you so very muchXX2
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March 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
March targetsAuntieL 8/18
BadBookkeeper 9/15
beanielou 13/19
birdsfoottrefoil 10BuzzyBees101 15Caeraugirl 7/20
Cassingtonbear 3/10
cathybird 2/TF
Clarabelle73 15Crazybee787 9/19
cuddlymarm 6/15
Dizzycap 13/20
Doris17 4/15
emmaj30 8ET22 5/20
GeorgianaCavendish 8Honeysucklelou2 2/10
InDebtEnby 4/15
Jay1 2 6/12
KajiKita 8/20
laura lau 4/20
laurenh1 9/18
LittleMissDetermined 8/16
Louise600 10Makingabobor2 15Money Choices 10Moneycraver05 5/10
Optimistic Saver 8/22
Pauper1 20Pinkpieuni 6/10
QueenJess 11/15
Saver-upper 15SecondStar 5/15
short bird 9/18
Thriftymissus 12/16
Tjh1412 15To see the updated results for March on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Well done everyone! We're blasting NSD March out of the water
Declaring a very early NSD Friday 13/20 - H Appointments Day
Wishing everyone a Fantastic NSD Friday
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1834.93 / £2026 (4)1 -
@cathybird mine should still be 9/15. Spend day today as out for tea. So still 9/15! Happy Friday 🥳Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6602
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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: £54,048.731
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