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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Great going with all the NSD everyone
@ CrazyBee787 - You can crack the monthly NSD 
Just think about the lunch you've just paid for that wasn't worth your money 
Declaring a very early NSD 17/20 Monday - Far too busy to spend time spending today
# 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)3 -
Declaring a 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 -
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Today is NSD no 11/15 🙂Frugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 20261 -
One for today please x1
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NSD Monday 😁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 -
August 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
August targetsAfdaff 6/10
AuntieL 7/18
beanielou 16/19
Caeraugirl 8/10
cathybird 16/15
Changeyourlife25 3/10
Crazybee787 5/19
Crazycatlady2 15Dizzycap 17/20
Doris17 1/15
Emmel 12InDebtEnby 9/13
Jay1 2 14KajiKita 13/20
laurenh1 11/18
LittleMissDetermined 13/15
Optimistic Saver 18Pinkpieuni 2/10
Prodigal50 2/15
Quantaqa 11/15
QueenJess 8/15
Scrumpy18 10short bird 11/18
thepurplepixie 15Thriftymissus 8/24
VickyA 2 1/10
To see the updated results for August on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Monday is day 11.‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.1 -
5/19 Please @cathybird Thank youXXGoal 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 -
NSD here 😊
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
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