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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Good morning all & a cooler & fresher morningDeclaring a 15/20 NSD Saturday
Wishing everyone a Super 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 £28 / £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 £627.92 / £2026 (1)1 -
It’s one for me today. No plans at all 🙌
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/£60001 -
Not yesterday as I went to karaoke, probably no more til next week as I'm camping this weekend.Current No Spend Challenge: 7/13
2025 No Spend Days: 7/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
I've totally lost track....not sure I even started on the track.....giving up this month and try again September 🤣1
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Hi @cathybird, please can I log two more NSDs - for today and Wednesday. I did spend on these days as my dog had to have emergency surgery (thankfully he’s recovering) so I would class these as essential.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/ £10001 -
Not today - haircut 😊
(My undercuts are sharp again and the rest of my mane is wildly shaggy again - happy sigh … 😊)
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 3 books of target 52 in 2026 as @ 10th January
Produce tracker: £18 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 -
Another one for me today 10/15 🙂.Frugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 20261 -
Not today curtain pole and veg samosasXXGoal 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.1 -
August 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
August targetsAfdaff 6/10
AuntieL 5/18
beanielou 14/19
Caeraugirl 8/10
cathybird 14/15
Changeyourlife25 3/10
Crazybee787 4/19
Crazycatlady2 15Dizzycap 15/20
Doris17 1/15
Emmel 12InDebtEnby 9/13
Jay1 2 14KajiKita 11/20
laurenh1 10/18
LittleMissDetermined 12/15
Optimistic Saver 18Pinkpieuni 2/10
Prodigal50 2/15
Quantaqa 10/15
QueenJess 7/15
Scrumpy18 10short bird 9/18
thepurplepixie 15Thriftymissus 8/24
VickyA 2 1/10
To see the updated results for August on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Declaring another NSD today.2026 decluttering: 59 🤑🥉 ⭐️
2026 use up challenge: 27🥉
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 I 🥉25 🥈50 🥇100 💎1501
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