Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Magnificent May's No-Spend Days Challenge!
Comments
-
Another NSD today - a bit slow this month.
7/20
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 -
Same here optimistic saver, Not today, I have bought rubbish again, really falling off the wagon, must get myself in a better place!1
-
NSD Wednesday for me 😁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/£10001 -
One for me today 9/15 for me pleaseLightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6601
-
May 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
May targetsAuntieL 8/18
BadBookkeeper 9/15
beanielou 13/19
birdsfoottrefoil 2/10
Caeraugirl 3/20
cathybird 7/15
Crazybee787 6/19
Crazycatlady2 7/15
cuddlymarm 7/15
Dizzycap 9/20
doingitanyway 10Doris17 4/15
ET22 2/10
InDebtEnby 9/10
Jay1 2 6/14
KajiKita 11/20
laura lau 20laurenh1 5/15
library0602 2/10
LittleMissDetermined 9/15
Louise600 10Money Choices 10Optimistic Saver 7/20
Pinkpieuni 8/10
Quantaqa 6/10
QueenJess 9/15
SecondStar 5/15
short bird 9/18
thepurplepixie 7/15
Thriftymissus 7/TF
viczs123 10To see the updated results for May on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
One for me today.
Challenges
NSD - April - 12/10
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 - £842
1 -
Day 7 for me.1
-
NSD Wednesday here 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- 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 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 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 -
Day 9 for meCurrent No Spend Challenge: 13/13
2025 No Spend Days: 51/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Wednesday was day 9.‘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.1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards