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!
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NSD for me so now 13/15.Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6601
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I spent today, I had to post my brother's birthday present. And I bought some wrapping paper - that probably won't be used until this time next year - because I had been thinking about how all wrapping paper is now wrapped in plastic... and this wasn't! 😆Toodle-pip :hello:2
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Hello, I’m on 12 - thanks to another NSD today.I need another 10 NSDs with only 12 days to go, this month,so am going to have to really focus to hit my target!
🔍💷😁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 -
Hi. 2 more NSDs for me please for yesterday and today 😀March No Spend 10 day Challenge: 9/102
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Another nsd today taking me up to 12 😁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 -
One more today.#15 Save £12k in 2026 £4500/£120002
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Not today … just had to order two cat flea traps … 🙄
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 -
March 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
March targetsAuntieL 12/18
BadBookkeeper 13/15
beanielou 20/19
Caeraugirl 11/20
Cassingtonbear 3/10cathybird 2/TFCrazybee787 11/19
cuddlymarm 7/15
Dizzycap 18/20
Doris17 4/15ET22 15/20
Honeysucklelou2 2/10InDebtEnby 8/15
Jay1 2 11/12
KajiKita 12/20
laura lau 7/20
laurenh1 13/18
LittleMissDetermined 12/16
Louise600 3/10
Makingabobor2 15Money Choices 4/10
Moneycraver05 9/10
Optimistic Saver 13/22
Pinkpieuni 10/10
QueenJess 15/15
Saver-upper 15SecondStar 5/15
short bird 12/18
Thriftymissus 17/16
To see the updated results for March on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
One today.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
An early call for 13/22 - including another NSD today.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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