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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Morning allIt's a Spendy 22/20 Sunday - Need to bulk buy on super discounted bulk shop items
It seems the forum threads are not updaing in the notifications which seems to be the same for most 
and booked a shopping delivery for Thursday. All of which should more see me through the rest of the month & well into next 
I really do hate shopping at the best of times! 
I hope everyone has a lovely NSD Sunday! Do you really need to spend 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 £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 -
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.2 -
I've been away on holiday for a couple of weeks - a great time, but now back to moneysaving ways!
However, I have TWO NSD days to declare from the weekend.Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 #18 £2021.83 declared1 -
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 -
I think it’s because we socialise, go out and generally do more, so there are more demands on our funds, whether it’s food because we are out, parking, transport, fuel, presents for hosts etc etc.CrazyBee787 said:Does anyone understand why I have no control over spending in the summer months? Is it because there is general air of spend spend spend, holiday, holiday, holiday. As much as I try to reign in my spending over the summer months I feel often defeated. However now the nights are drawing in I feel I can rein it in again, although sadly not today @cathybird . I don't get it, I try and fail and a lot of the time I just give up, give in and flop. I will try again tomorrow. Feeling useless, redundant and possibly there is an air of optimism lingeringXX
Well done for being able to rein it in over cooler months - it makes no difference 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 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 -
NSD here. I wanted to buy a draught excluder for my bedroom door but couldn’t find one the right size so I guess I’ll be making one then …? 🤔😉🤷♀️😊
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.1 -
@Crazybee787 I do think there is more of a sense of freedom in the summer but wonder if you can pin down more why it happens for you the way it does? xxx1
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August 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
August targetsAfdaff 8/10
AuntieL 12/18
beanielou 20/19
Caeraugirl 8/10
cathybird 20/15
Changeyourlife25 3/10
Crazybee787 5/19
Crazycatlady2 15Dizzycap 23/20
Doris17 1/15
Emmel 12InDebtEnby 12/13
Jay1 2 14KajiKita 19/20
laurenh1 14/18
LittleMissDetermined 16/15
Optimistic Saver 18Pinkpieuni 4/10
Prodigal50 2/15
Quantaqa 15/15
QueenJess 11/15
Scrumpy18 10short bird 15/18
thepurplepixie 15Thriftymissus 11/24
VickyA 2 3/10
To see the updated results for August on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Declaring a very early NSD 23/20 Tuesday - Wishing everyone a Terrific NSD Tuesday & boy is this month whizzing by
# 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)2 -
As usual, it's been a spendy weekend. It seems to be the pattern for me at the minute, NSDs while at work then spending on my days off.Current No Spend Challenge: 5/13
2025 No Spend Days: 5/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301
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