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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Declaring another NSD today. See everyone over on the May thread.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 -
Ending April with an NSD 😁 Not close to my target but better than none! Well done everyone and good luck for May 🍀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 -
I didn’t quite make it this month - but have ended with a NSD bringing me to 19/20From 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: £58,471.883 -
23/19 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 -
April 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
April targetsAuntieL 11/18
BadBookkeeper 12/15
beanielou 27/19
Caeraugirl 9/20
cathybird 21/15
Crazybee787 23/19
Crazycatlady2 15/15
cuddlymarm 13/15
Dizzycap 27/20
doingitanyway 1/10
ET22 6/20
Honeysucklelou2 10InDebtEnby 10/10
Jay1 2 11/14
KajiKita 21/20
laura lau 6/20
laurenh1 8/18
LittleMissDetermined 17/15
Louise600 3/10
Makingabobor2 15Money Choices 9/10
Optimistic Saver 19/20
Pinkpieuni 17/10
Quantaqa 4/4
QueenJess 21/15
Saver-upper 15SecondStar 9/15
short bird 19/18
thepurplepixie 12/10
Thriftymissus 24/20
To see the updated results for April on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞3 -
Is there a link to NSD May or have I missed it, as usual?
# 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 -
# 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)3
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Final two NSDs achieved. 10/10Current No Spend Challenge: 12/13
2025 No Spend Days: 12/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20303 -
oh dear, Ive only had one nsd so far. Some of the spends were on things i needed for home but some werent so onwards and upwards. I think the lovely weather will make it easier to keep positive too xCurrent debt approximately 5000
Goal- Zero debt by mid 2025
Savings in 2026- an emergency fund of 50001
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