Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Amazing April's No-Spend Days Challenge!
Comments
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Nsd today.
Challenges
NSD - April - 8/10
1. 2026 Mortgage-Free Wannabes #61 £14,031.82/£29,000, MF target May 2026, current mortgage balance - £14,582.78
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £106/£1,378 -( 1/52)
4. EF - £900
3 -
Not one today after all. Sorry @cathybird.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
Reporting an early NSD Friday 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10002 -
20/19 Please @cathybird Thank you - to get the full board! Have a Super Weekend AllXX2
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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 7/18
BadBookkeeper 11/15
beanielou 23/19
Caeraugirl 7/20
cathybird 19/15
Crazybee787 20/19
Crazycatlady2 15/15
cuddlymarm 9/15
Dizzycap 24/20
doingitanyway 1/10
ET22 6/20
Honeysucklelou2 10InDebtEnby 8/10
Jay1 2 9/14
KajiKita 17/20
laura lau 6/20
laurenh1 8/18
LittleMissDetermined 12/15
Louise600 3/10
Makingabobor2 15Money Choices 9/10
Optimistic Saver 18/20
Pinkpieuni 15/10
Quantaqa 2/4
QueenJess 16/15
Saver-upper 15SecondStar 9/15
short bird 15/18
thepurplepixie 10/10
Thriftymissus 20/20
To see the updated results for April on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Grrr not one today, took ds to his cricket training and bought a drink at the bar as well as for people sat with. It’s a social club so don’t feel I can bring my own but at £10 a week, it’s going to put a dent in my monthly spends not sure whether to just sit in the car to wait and watch himLightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6604
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I've no idea what I did on Tuesday.... but I'm assuming I spent.Jay1_2 said:Easter Sunday = NSD
Easter Monday = NSD - and that's despite running out of chocolate biscuits! No chocolate bars left either! I tried to satisfy the 9 year old inside me with a jam sandwich and a hot chocolate, which didn't completely work but at least they couldn't claim they were hungry after that.
I will need to do some shopping tomorrow though, I've run out of nearly all food except frozen vegetables.
I don't think I spent on Wednesday..... oh heck I did, I bought a drink.
Thursday was only yesterday and I know I spent.
And I spent again today.
I don't think I'm going to get to my target this month.Toodle-pip :hello:2 -
Wednesday was an unexpected day 15...‘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 -
@ Jay1_2 - Try your best even if you get another 1 or 2 NSDs it all adds up
Next month try going for fewer NDS and beat your goal and then build up from there 
Declaring a NSD 24/20 Saturday - It's a bed rest weekend
Wishing everyone a Satisfying NSD Saturday!# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1834.93 / £2026 (4)3 -
An early call for a no spend Saturday - 18/20March 26:
MBNA 6,130 - 0% Feb 28
HAL 10,125.91 - 0% Jul 27
BL 320 - Ends Jul 26
Total: 16,575.91 less 7,000 Marcus savings = 9,575.91
⬇️ to pay down by Oct 27
NSD March 15/22
Make 2026 in 2026:
173.01/2,026
Vinted, YouGov, Bank Int & Fairer Share, Prolific, Quidco, Cheddar & SnapMyEats
Savings accounts:
Co-op 273.01/3,000
Principality 600/1,200
FD 2,000/2,000
Santander Saver 400/2,400
Lloyds 800/4,800
Cahoot 50/3,000
Invest 349.93
🏆 ⬆️ Total: £4,472.94
Mortgage: £54,048.732
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