Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Amazing April's No-Spend Days Challenge!
Comments
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It's definately a spend day today!
Sainsburys have a 50% off New Zealand Legs of Lamb, Beef, Pork, and Gammon beginning today. No other Supermarket has jumped on the 50% off Mains Discount bandwagon yet, but you'll need a Nectar Card to get the discount
Also full details below of dicounted 15p Veggie Bags Days ENJOY!Full Details: Major UK supermarkets slash Easter vegetables to just 15p - full list of discountsTime to stock up for a full fill up freezer batch cooking meat meal splurge and then save some extra veggies the in the cool shed# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £2454.88 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £30 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge 2026 £25/£230 (1)# Make £2026 in 2026 £834.42 / £2026 (1)1 -
Six for yesterday and another one for today, I've been out and won't be out again so confident this is day 7 of 10. My new technique is I don't take my purse unless I really need to buy something so today I was out for a medical appointment which would normally end with me parking nearby and paying so today I parked further away for free and walked, then I'd almost always have a mooch round the shops and buy something I didn't need. No purse today so NSD. I'm sure it will catch me out at some point but useful at the moment. I'm hoping for another NSD at the weekend before out visitors arrive for a more expensive week next week.2
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Oh dear, I counted yesterday twice! So today is day six out of ten. I think I'm a bit keen.2
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NSD #3 for me today 😁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 -
7/19 Please @cathybird Thank youXXGoal 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 -
NSD here 😊
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.1 -
Still 5/15. Had to pay for sons cricket membership for the year & bought a round of drinks at the club. Happy with spend but hoping for an NSD soon.Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6602
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April 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
April targetsAuntieL 3/18
BadBookkeeper 5/15
beanielou 11/19
Caeraugirl 5/20
Cassingtonbear 10cathybird 8/15
Crazybee787 7/19
Crazycatlady2 6/15
cuddlymarm 3/15
Dizzycap 10/20
doingitanyway 1/10
ET22 6/20
Honeysucklelou2 10InDebtEnby 3/10
Jay1 2 3/14
KajiKita 9/20
Kermit10 20laura lau 2/20
laurenh1 4/18
LittleMissDetermined 6/15
Louise600 3/10
Makingabobor2 15Money Choices 3/10
Optimistic Saver 10/20
Pinkpieuni 6/10
QueenJess 9/15
Saver-upper 15SecondStar 1/15
short bird 7/18
thepurplepixie 6/10
Thriftymissus 7/20
To see the updated results for April on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
From Jan 25:
4,419.92-1,957.50
4,538-3,260
3,240.18-3,240.18
BL 1,900-1,120
Total: 12,182.91-9,577.68
🏆 ⬇️ by £2,605.23
NSD July 4/18
#58 1p: 226.97/667.95 212/365
#18 52: 1,063.89/1,378 27/52
#32 Make 2025: 941.31/2,025
#20 12k: 5,145.85/5,000
Vin 86.50
YG YL 100
Prol SB 311.81
Bank 364.32
Quid 100.03
Ched 49.77
Snap 20
Books 4.02
Monzo 2,232.17
TSB 700/2,700
FD 1,100/3,500
Atom 200
Prin 600/1,224.74
Invest 313.68
🏆 ⬆️ Total: £5,145.85
Trading: £793.73
Mortgage: £58,471.881 -
Another one for me todayCurrent No Spend Challenge: 12/13
2025 No Spend Days: 12/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20303
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