Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Joyful July's No-Spend Days Challenge!
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Sorry for the late check-in, @cathybird and thanks so much for running this thread, again, for July!
4/18 so far - I am hoping to be more disciplined this month…. 💪🤞
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: £54,048.732 -
3/8 for me today. I thought about ordering a takeaway for tea but I have plenty of food in the fridge and freezer so absolutely no need!Dad was chuffed with his birthday present and I still haven’t bought any books from Amazon 🤣4
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Not one today - I had a very exhausting interview and caved on the way home to buy the kids some fun bubble bars (will get used, but really didn't need any more) and some lovely earrings for me (again not needed, although I've been looking for the right ones for ages).2026 decluttering: 1,099 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 302🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0003 -
Unexpected NSD today.
I’m going to be away for a lot of this month so won’t reach 18 but hopefully will manage a few NSDsMFW 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/£10002 -
Oh, I’m late! NSD here 😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- 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 26 books of target 52 in 2026 as @ 12th 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.2 -
July 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 1/18
BadBookkeeper 15beanielou 5/19
BridgetTheCat 3/8
Caeraugirl 10Changeyourlife25 2/10
cathybird 3/15
Crazybee787 1/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 4/20
Doris17 3/15
InDebtEnby 2/12
IRunFar 10Jay1 2 3/14
KajiKita 4/15
laurenh1 2/18
library0602 10LittleMissDetermined 15Money Choices 12Optimistic Saver 4/18
Pinkpieuni 1/10
QueenJess 2/15
short bird 2/18
thepurplepixie 15Thriftymissus 3/TF
VickyA 2 3/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
2/12 for meCurrent No Spend Challenge: 8/13
2025 No Spend Days: 46/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
How are you making treacle tart? My mum used to make them when she had left over pastry - well they were golden syrup tarts really.CrazyBee787 said:Not today, I wanted to try again at making treacle tart so when out for ingredients and bought lunch tooXX
Pastry base, then sprinkle some crushed weetabix or crushed shreaded wheat in it then fill with golden syrup and bake till the pastry is done. My dad really liked them, I thought they were OK - a bit sweet for me even as a child.Toodle-pip :hello:2 -
Yesterday I forgot to post, but it was my 3rd NSD. Today I spent.
((Note to self for other total, only food/groceries))Toodle-pip :hello:2 -
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
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