Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Awesome August's No-Spend Days Challenge!
Comments
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Not for the 9th August I have bought a new bedside table for the lodgers room and two new binsXXGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.2 -
Thursday was NSD No 4 for me. Not one on Friday as was out with a friend.Frugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 2026
Declutter Challenge 20262 -
Declaring a very early 10/20 NSD Saturday
# 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 £26 / £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 £602.92 / £2026 (1)1 -
Not one for me today, I'm popping to town to have a look for books in the charity shops... better than buying new!
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 £4220/£60002 -
Declaring today to be an NSD

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 = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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 -
Just from a wonderful holiday in Northumberland so now time to focus on my finances again. Declaring an NSD Saturday😁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/ £10004 -
I broke the NSD streak as I bought a waterproof case for my phone when I'm in the kayak since I was near the shop anywayCurrent No Spend Challenge: 5/13
2025 No Spend Days: 5/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20303 -
2 more for me to add for today and Thursday. Am in the storm of emergency hospital care for a very poorly close family member so not really concentrating. I’m on five now with a total of 24, it’s still doable but not going to worry at all if my target goes down the pan x3
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Well done for clocking in and you are right not worry about the thread although it probably helps having another focus, wishing all the best for your family member. Hugs and warmth coming your wayXX 💕Thriftymissus said:2 more for me to add for today and Thursday. Am in the storm of emergency hospital care for a very poorly close family member so not really concentrating. I’m on five now with a total of 24, it’s still doable but not going to worry at all if my target goes down the pan xGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.2 -
@Thriftymissus sorry to hear a family member is ill - hope they recover soon xx1
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