Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15
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!
Magnificent May's No-Spend Days Challenge!
Comments
-
11/19 Please @cathybird Thank youXX2
-
Not today went out for coffee £5.00, expensive coffee.
Challenges
NSD - Dec 8/10
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £42,801.82/£38,000
Mortgage - Jan 2025 £75,600-Current bal £29,851.26 Target MF - Jun 26, 193 days away.
2026 Challenges
NSD - January
1. 2026 Mortgage-Free Wannabes # £ /£29,000, MF target June 2026, current mortgage balance - £29,851.26
2. Loan - Jan 2026 £1,029.22 - Current balance £1,029.22
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
1 -
After an expensive weekend, I have hit my target today of 10/10Current No Spend Challenge: 9/13
2025 No Spend Days: 156/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
NSD Tuesday 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £93,038.66 (10years 5months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = /£10001 -
May 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
May targetsAuntieL 10/18
BadBookkeeper 10/15
beanielou 18/19
birdsfoottrefoil 2/10
Caeraugirl 3/20
cathybird 11/15
Crazybee787 11/19
Crazycatlady2 10/15
cuddlymarm 12/15
Dizzycap 9/20
doingitanyway 10Doris17 4/15
ET22 2/10
InDebtEnby 10/10
Jay1 2 7/14
KajiKita 15/20
laura lau 20laurenh1 5/15
library0602 3/10
LittleMissDetermined 14/15
Louise600 10Money Choices 10Optimistic Saver 12/20
Pinkpieuni 13/10
Quantaqa 9/10
QueenJess 12/15
SecondStar 5/15
short bird 12/18
thepurplepixie 10/15
Thriftymissus 11/TF
viczs123 10To see the updated results for May on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Forgot to report one yesterday and declaring early for today 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 78 books of target 52 in 2025, as @ 21st December
Produce tracker: £453 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
it's another for me today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60001 -
Nsd wednesday for me.
Challenges
NSD - Dec 8/10
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £42,801.82/£38,000
Mortgage - Jan 2025 £75,600-Current bal £29,851.26 Target MF - Jun 26, 193 days away.
2026 Challenges
NSD - January
1. 2026 Mortgage-Free Wannabes # £ /£29,000, MF target June 2026, current mortgage balance - £29,851.26
2. Loan - Jan 2026 £1,029.22 - Current balance £1,029.22
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
1 -
12/20 NSDs to date, including today.
From 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: £58,471.881 -
Hi, another one for me today. 9/10 🙂Frugal Living challenge 2025
Grocery Challenge November £1802
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards