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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Combination of being away, planning for summer hols and painting the hallway has meant many spend days. However today is a NSD 😁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 -
April 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
April targetsAuntieL 4/18
BadBookkeeper 8/15
beanielou 19/19
Caeraugirl 7/20
cathybird 14/15
Crazybee787 15/19
Crazycatlady2 10/15
cuddlymarm 7/15
Dizzycap 18/20
doingitanyway 1/10
ET22 6/20
Honeysucklelou2 10InDebtEnby 6/10
Jay1 2 7/14
KajiKita 14/20
Kermit10 20laura lau 6/20
laurenh1 8/18
LittleMissDetermined 9/15
Louise600 3/10
Makingabobor2 15Money Choices 7/10
Optimistic Saver 13/20
Pinkpieuni 10/10
QueenJess 12/15
Saver-upper 15SecondStar 9/15
short bird 12/18
thepurplepixie 9/10
Thriftymissus 15/20
To see the updated results for April on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Day 15 Please @cathybird Thank youXX P.S Happy Easter weekend to all who pass here!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 -
Not today. Lunch with a friend 😊
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.3 -
Yay! Finally got another 1! 8/15 for me please 😃😁Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6602
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Two more NSDs since then.Jay1_2 said:One more NSD.
But I need to spend again tomorrow. And today I wasn't really active either. When I'm at work all day I don't spend - I've mostly got into that good habit, but I'm so good at avoiding anything that resembles housework (including crafts that I've already started) that when I'm not at work I either vegetate or spend money.
And I think tomorrow will be a day of vegetating - not many places open to spend money in anyway.Toodle-pip :hello:2 -
Well done with all the NSDs folks - we're smashing it again!
Declaring a NSD 18/20 Sunday - No spendies planned for the rest of the month, unless it's an emergency.Wishing everyone a Sunny Easter NSD Sunday
# 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 -
No spending for me today, that’s number 15. Thank you @cathybird and happy Easter 🐣2
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Happy Easter everyone
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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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1
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