Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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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~ NSD 2025 - NSD October 19/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1278.68 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £20,075.12 / £12,000 💯 (8) - Continuing1 -
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 = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7002 -
7/19 Please @cathybird Thank youXXMissions: -
1) Build up an emergency fund (EF) £2000/£3500 By end of 2025!
2) Pay off Mortgage Starting £58000 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.2 -
NSD here 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 of £300 in 2025
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. Current CC debt £0.00 DFD 31/7/24 🥳. Member #8 of Fiver Friday Challenge £220/£260. PAD member.2
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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 3/18BadBookkeeper 5/15beanielou 11/19Caeraugirl 5/20Cassingtonbear 10cathybird 8/15Crazybee787 7/19Crazycatlady2 6/15cuddlymarm 3/15Dizzycap 10/20doingitanyway 1/10ET22 6/20Honeysucklelou2 10InDebtEnby 3/10Jay1 2 3/14KajiKita 9/20Kermit10 20laura lau 2/20laurenh1 4/18LittleMissDetermined 6/15Louise600 3/10Makingabobor2 15Money Choices 3/10Optimistic Saver 10/20Pinkpieuni 6/10QueenJess 9/15Saver-upper 15SecondStar 1/15short bird 7/18thepurplepixie 6/10Thriftymissus 7/20To see the updated results for April on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞0
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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: 16/13
2025 No Spend Days: 130/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20303
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