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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Declaring another NSD today. See everyone over on the May thread.2026 decluttering: 1,099 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 302🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0003 -
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 = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10003 -
I didn’t quite make it this month - but have ended with a NSD bringing me to 19/20March 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: £54,048.733 -
23/19 Please @cathybird Thank youXX2
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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 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 £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)2 -
# 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
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Final two NSDs achieved. 10/10Current No Spend Challenge: 6/13
2025 No Spend Days: 44/150
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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