Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Amazing April's No-Spend Days Challenge!
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Declaring another NSD today. See everyone over on the May thread.2025 decluttering: 4,392 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟2025 use up challenge: 345🥉🥈🥇💎🏆Mini freezer challenge +3/-20Big kitchen declutter challenge 115/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5003
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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 = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7003 -
I didn’t quite make it this month - but have ended with a NSD bringing me to 19/20From 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: £58,471.883 -
23/19 Please @cathybird Thank youXXMission Number One: Get a job!
Mission Number Two: Get a lodger!
Mission Number Three: Clear debt, starting balance: £1997.17, balance now: £1997.17
Once accomplished all three come back and start new missions!2 -
April 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =April targetsAuntieL 11/18BadBookkeeper 12/15beanielou 27/19Caeraugirl 9/20cathybird 21/15Crazybee787 23/19Crazycatlady2 15/15cuddlymarm 13/15Dizzycap 27/20doingitanyway 1/10ET22 6/20Honeysucklelou2 10InDebtEnby 10/10Jay1 2 11/14KajiKita 21/20laura lau 6/20laurenh1 8/18LittleMissDetermined 17/15Louise600 3/10Makingabobor2 15Money Choices 9/10Optimistic Saver 19/20Pinkpieuni 17/10Quantaqa 4/4QueenJess 21/15Saver-upper 15SecondStar 9/15short bird 19/18thepurplepixie 12/10Thriftymissus 24/20To see the updated results for April on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞3
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Is there a link to NSD May or have I missed it, as usual?~ NSD 2025 - NSD August 23/20 (8 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing - 1 x £25 Voucher Redeemed, 24 FREE Books of RM Stamps & Presentation Packs.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £593.80 / £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 £16,543.30 / £12,000 💯 (8) - Continuing (-30p)2
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~ NSD 2025 - NSD August 23/20 (8 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing - 1 x £25 Voucher Redeemed, 24 FREE Books of RM Stamps & Presentation Packs.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £593.80 / £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 £16,543.30 / £12,000 💯 (8) - Continuing (-30p)3
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Final two NSDs achieved. 10/10August No Spend Challenge: 12/13
2025 No Spend Days: 99/100
Bank Loan Original End Date: 08/2030
Current End Date: 08/20303 -
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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