Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Magnificent May's No-Spend Days Challenge!
Comments
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Reporting NSDs on Wednesday and Thursday 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £92,396.89 (10years 4months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £44.43/ £10003 -
Declaring another NSD today.2026 decluttering: 319 🤑🥉 ⭐️🥈🥇
2026 use up challenge: 109🥉 ⭐️🥈🥇
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3003 -
6/15 for me pleaseLightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6603
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NSD here today 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 7 books of target 52 in 2026 as @ 23rd January
Produce tracker: £29 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 -
May 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
May targetsAuntieL 5/18
BadBookkeeper 6/15
beanielou 7/19
birdsfoottrefoil 10Caeraugirl 2/20
cathybird 5/15
Crazybee787 4/19
Crazycatlady2 6/15
cuddlymarm 4/15
Dizzycap 9/20
doingitanyway 10Doris17 3/15
ET22 1/10
InDebtEnby 5/10
Jay1 2 3/14
KajiKita 6/20
laura lau 20laurenh1 5/15
library0602 1/10
LittleMissDetermined 5/15
Louise600 10Money Choices 10Optimistic Saver 4/20
Pinkpieuni 5/10
Quantaqa 6/10
QueenJess 5/15
SecondStar 5/15
short bird 6/18
thepurplepixie 5/15
Thriftymissus 7/TF
viczs123 10To see the updated results for May on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞3 -
Look at the NSD Train go!
Declaring a very early NSD 9/20 Friday - I will be picking up a little shopping for an unwell elderly neighbour early in the morning, but they'll be paying - I feel like a 'personal shopper' spending other peoples money
Wishing everyone a Fantastic NSD Friday! Let's keep the NSD train rolling along
# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £2454.88 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £30 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge 2026 £25/£230 (1)# Make £2026 in 2026 £834.42 / £2026 (1)3 -
Good morning
Finally one for me today please. I’m going to attempt to make it through the weekend without spending until my food shop on Monday now 😀
Pay off by Xmas 2026 £175/£2324.67
January NSDs 12/15
January PADs £565
January grocery challenge £94.86/£1502 -
Not one for me today. Treating my parents to afternoon tea and buying my dad a card. Need petrol so may go mad and buy a chocolate bar as well. 🤗2
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Today is an unexpected NSD, so that's me at 6/10. I did go for a coffee with a friend this morning but she paid for us both. It'll be my turn next time but it gives me another May NSD.Frugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 20262 -
Early call for day 6.‘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
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