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Amazing April's No-Spend Days Challenge!
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Declaring a very early NSD 13/20 Monday - Definately not spending todayWishing everyone a Mamouth NSD Monday~ NSD 2025 - NSD July 17/20 (6 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1234.34 / £2025 (58%) (3) 💯💯+# No.12 Save £2 a Day 2025 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 £13,429.74 / £12,000 💯 - Continuing2
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Declaring a NSD today.2025 decluttering: 3,235🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 271🥉🥈🥇💎🏆
Mini kitchen challenge 44/50
Big kitchen declutter challenge 66/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 I 🥉12 🥈26 🥇52 💎100 🏆2501 -
Yesterday was not an NSD as had to pay in advance for activity booked for the weekend.I’m declaring early for today so 7/15.Lightbulb moment - 17/08/2017 £17,033. Current CC debt £0.00 DFD 31/7/24 🥳. Member #8 of Fiver Friday Challenge £150/£2602
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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.2 -
Today will be a NSD, here - so 12/20
Thank you, @cathybirdFrom 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: 5,146.79/5,000
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 314.62
🏆 ⬆️ Total: £5,146.79
Trading: £175.64
Mortgage: £58,471.883 -
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Early call for day 9.‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.2 -
updating form last week: one day for Wednesday, Thursday and Friday each, plus one day for today = adding a total of 4!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/662 -
I need a referees decision. NSD today except parking at the hospital £1.40. Am I cheating if I want to count it as day 8?2
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Nsd today.
Challenges
NSD July- 8/10
Pay off all your debts by Christmas 2025 #7 £6,500/£6,500 - All gone, paid off.
52 Week Envelope Saving Challenge #7 £742/£1,378 -(28/52)
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £10,224/£38,000 (mortgage offset)
Mortgage - Jan 2025 £75,600- current bal £66,136 Target MF (Jun 26) 351 days.
Loan - Jan 2025 £4,095 - Current balance £2,531
"Look after the pennies and the pounds will look after themselves"
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