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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7/19 Please @cathybird Thank youGoal 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 Wednesday 😁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 -
Another one for me.Current No Spend Challenge: 5/13
2025 No Spend Days: 5/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
August 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
August targetsAfdaff 8/10
AuntieL 14/18
beanielou 22/19
Caeraugirl 8/10
cathybird 20/15
Changeyourlife25 3/10
Crazybee787 7/19
Crazycatlady2 15Dizzycap 25/20
Doris17 1/15
Emmel 12InDebtEnby 14/13
Jay1 2 14KajiKita 21/20
laurenh1 16/18
LittleMissDetermined 16/15
Optimistic Saver 18Pinkpieuni 9/10
Prodigal50 2/15
Quantaqa 15/15
QueenJess 13/15
Scrumpy18 10short bird 18/18
thepurplepixie 15Thriftymissus 11/24
VickyA 2 4/10
To see the updated results for August on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Another NSD. I won't achieve my target this month, but I have had a marvellous holiday. I suppose I had saved for it, but there were frivolities!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 declared3
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Morning all
Declaring a 25/20 NSD Thursday
@cathybird - I'm happy to keep 20 NSD for September - Thank you for keeping the thread going and updaing daily I might not record any more NSD over the weekend, not that I'm expecting any spendy days, but will see you over on the September Thread xxxx# 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 £364.52 / £2026 (1)1 -
One yesterday and one for today please CB xx1
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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 -
Another nsd today, struggling to meet target this month due to school holidays.
Challenges
NSD - January - 3/10
1. 2026 Mortgage-Free Wannabes #61 £1,129 /£29,000, MF target May 2026, current mortgage balance - £28,756
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
1 -
Not today, I started off with a bacon butty from the local bakery, I did win a prize on postcode lottery though, not enough to counter the day, not even breakfast! I also did something, I bought some clothes that I got to try on in a shop, and I loved them, being a big lass this was a rare occurence, although I spent, It was a good day. I am also going out tomorrow so not sure about then. I am thinking I will try and reign it in, I do want to get a calender as they do really good arty ones where we are going and this years one that I had purchased brought a lot of cheer, so I think it would be worth it. I'll let you know what I decide tomorrow, perhaps I can wait for another time or maybe I won't like the options?Goal 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.3
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