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!
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Thank you for the welcome @cathybird
I confirm that yesterday was a no spend day. Today won't be as I have a hair cut booked but that will be the only spend today. Frugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 20261 -
Declaring a NSD Thursday 22/20Wishing everyone a Thrifty NSD Thursday!
# 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)2 -
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.2 -
Spendy day today, I think it is the cold, I bought chocolate and lunch😒 but I did enjoy! 😊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?3 -
Declaring another NSD today.2026 decluttering: 319 🤑🥉 ⭐️🥈🥇
2026 use up challenge: 109🥉 ⭐️🥈🥇
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3003 -
NSD to add for wednesday please2
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Still 11/15, spendy day off with ds but kept it as low as I could.Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6602
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Two NSDs for me - Wednesday and Thursday 😁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/ £10003 -
NSD day today, I won't manage one tomorrow but hoping Saturday will take me to 11. I would have managed one yesterday but we decided to book a hotel for a weekend away to see GC for their birthday in a couple of months. It is a Premier Inn and just over £100 and considering we don't have holidays it seems worth it (DH is disabled and doesn't manage more than 2 or 3 nights away) The deal is I pay for the hotel and DH pays for petrol and meals while we are away so I will actually save some money on food that week.4
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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 6/18
BadBookkeeper 11/15
beanielou 23/19
Caeraugirl 7/20
cathybird 17/15
Crazybee787 19/19
Crazycatlady2 15/15
cuddlymarm 8/15
Dizzycap 22/20
doingitanyway 1/10
ET22 6/20
Honeysucklelou2 10InDebtEnby 8/10
Jay1 2 9/14
KajiKita 16/20
laura lau 6/20
laurenh1 8/18
LittleMissDetermined 12/15
Louise600 3/10
Makingabobor2 15Money Choices 9/10
Optimistic Saver 17/20
Pinkpieuni 14/10
Quantaqa 2/4
QueenJess 16/15
Saver-upper 15SecondStar 9/15
short bird 14/18
thepurplepixie 10/10
Thriftymissus 19/20
To see the updated results for April on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞2
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