Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Magnificent May's No-Spend Days Challenge!
Comments
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One for me today please
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60002 -
An early call for today, please, @cathybird - 13/20
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 -
Not today, treated myself to lunchXX1
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Another NSD for me today 😁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 today 😊
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 -
Can I add 3 please which takes me up to Thursday. Where has the week gone?1
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One today.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
It's been a while since I posted but... 🤔
17th was very spendy.
18th was NSD and very lazy.
19th was a bit worky, a bit lazy, a bit spendy.
20th was half worky, a bit lazy, and a very little bit spendy.
21st was NSD and half worky.
22nd was very worky and a bit spendy.
Toodle-pip :hello:2 -
May 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
May targetsAuntieL 12/18
BadBookkeeper 11/15
beanielou 20/19
birdsfoottrefoil 2/10
Caeraugirl 3/20
cathybird 13/15
Crazybee787 12/19
Crazycatlady2 13/15
cuddlymarm 13/15
Dizzycap 9/20
doingitanyway 10Doris17 4/15
ET22 2/10
InDebtEnby 11/10
Jay1 2 9/14
KajiKita 16/20
laura lau 20laurenh1 5/15
library0602 4/10
LittleMissDetermined 15/15
Louise600 10Money Choices 10Optimistic Saver 13/20
Pinkpieuni 13/10
Quantaqa 9/10
QueenJess 14/15
SecondStar 5/15
short bird 13/18
thepurplepixie 10/15
Thriftymissus 12/TF
viczs123 10To see the updated results for May on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Good morning
One today please
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001
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