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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15/19 Please @cathybird sorry to be a nuisance but I bought the AAT membership yesterday in the end, so I should not have added it yesterday, I have spent today also. 15 I guess it is better then it might otherwise be. Still there is a bit of work to do in April! Thank you @cathybirdXX0
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Last one of the month 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 -
Was hoping to finish the month with an NSD but it was not to be. Haven’t made my target but heyho - 15 NSDs are better than 0! Hopefully can reach my target in April 🤞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/£10001 -
Thought I’d posted but can’t see it so apologies if posted twice!!
Not one today still on NSD 19/15. Pay day today so filled all of my monthly pots, paid a friend for a social event and sent money to my fiver Friday challenge pot for April. Withdrew £10 ‘emergency’ cash to keep in the house for emergencies something I started in January & not had to use so building up quite nicely.
thank you for running the thread @cathybird, well done to everyone and ‘see you’ in April.Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6601 -
22/22 with a final NSD today.Thanks @cathybirdMarch 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 -
Finished the month with an NSD 😊
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.3 -
March 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
March targetsAuntieL 15/18
BadBookkeeper 19/15
beanielou 29/19
Caeraugirl 15/20
Cassingtonbear 3/10cathybird 5/TF
Crazybee787 15/19
cuddlymarm 13/15
Dizzycap 28/20
Doris17 4/15ET22 18/20
Honeysucklelou2 2/10InDebtEnby 13/15
Jay1 2 19/12
KajiKita 23/20
kleverklogs 5laura lau 15/20
laurenh1 19/18
LittleMissDetermined 21/16
Louise600 3/10
Makingabobor2 15Money Choices 10/10
Moneycraver05 9/10
Optimistic Saver 22/22
Pinkpieuni 15/10
QueenJess 23/15
Saver-upper 15SecondStar 13/15
short bird 20/18
Thriftymissus 26/16
To see the updated results for March on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Ooh there's an extra day in March I forgot about. But it was an NSD.
April and Onwards! ☝Toodle-pip :hello:2 -
Well done everyone for March See you all on the April thread!
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Last NSD for March yesterday!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/661
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