April 2025 NSD challenge
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Amazing April's No-Spend Days Challenge!
Comments
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@jay1_2 please don't feel you have to hang your head! Everyone has to spend sometimes. My month is getting off to a similar start, I've got home from quite a spendy trip in March and straight away have had to organise some car stuff and pay the plumber, sort a chimney out. Also everyone needs treats sometimes. It's life xxJay1_2 said:I've welcomed in April with spending [hangs head in shame]. And I think I'll be spending tomorrow too.
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Day 1 please @cathybird yesterday I ended up spending, it looks like I will get most of it back from SFD!2
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Day 2 for me.#15 Save £12k in 2026 £4500/£120002
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Declaring a NSD for today.2026 decluttering: 1,025 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 276🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆3002 -
March 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: £54,048.731 -
I will stick with 10. Starting with 1 nsd today.
Challenges
NSD - April - 8/10
1. 2026 Mortgage-Free Wannabes #61 £13,437.76/£29,000, MF target May 2026, current mortgage balance - £15,177
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
2 -
2/15 for me pleaseLightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6601
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NSD hump day here 😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 25 books of target 52 in 2026 as @ 5th April.
Produce tracker: £73 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Actually Please can I have 2 NSDs as SFD paying for expenditure on Tuesday as it is for MDs cake! Thanks @cathybird1
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
April targetsAuntieL 18BadBookkeeper 2/15
beanielou 2/19
Caeraugirl 2/20
Cassingtonbear 10cathybird 1/15
Crazybee787 2/19
cuddlymarm 1/15
Dizzycap 2/20
ET22 20Honeysucklelou2 10InDebtEnby 10Jay1 2 14KajiKita 2/20
Kermit10 20laura lau 20laurenh1 1/18
LittleMissDetermined 15Louise600 1/10
Makingabobor2 15Money Choices 10Optimistic Saver 2/20
Pinkpieuni 1/10
QueenJess 2/15
Saver-upper 15SecondStar 1/15
short bird 1/18
Thriftymissus 2/20
To see the updated results for April on phone or tablet, click here
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