Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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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
~ NSD 2025 - NSD October 19/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1278.68 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £20,075.12 / £12,000 💯 (8) - Continuing1 -
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 me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £31071 -
Not yesterday as I went to karaoke, probably no more til next week as I'm camping this weekend.Current No Spend Challenge: 16/13
2025 No Spend Days: 130/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301 -
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 = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
Not today - haircut 😊
(My undercuts are sharp again and the rest of my mane is wildly shaggy again - happy sigh … 😊)
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 of £300 in 2025
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 2025
Grocery Challenge August /£180
Save £12k in 2025 Challenge - Goal £30k
August NSD Challenge - 5/15NSDs1 -
Not today curtain pole and veg samosasXXMissions: -
1) Build up an emergency fund (EF) £2000/£3500 By end of 2025!
2) Pay off Mortgage Starting £58000 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.1 -
August 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =August targetsAfdaff 6/10AuntieL 5/18beanielou 14/19Caeraugirl 8/10cathybird 14/15Changeyourlife25 3/10Crazybee787 4/19Crazycatlady2 15Dizzycap 15/20Doris17 1/15Emmel 12InDebtEnby 9/13Jay1 2 14KajiKita 11/20laurenh1 10/18LittleMissDetermined 12/15Optimistic Saver 18Pinkpieuni 2/10Prodigal50 2/15Quantaqa 10/15QueenJess 7/15Scrumpy18 10short bird 9/18thepurplepixie 15Thriftymissus 8/24VickyA 2 1/10To see the updated results for August on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞2
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Declaring another NSD today.2025 decluttering: 5,256 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 406🥉🥈🥇💎🏆Big kitchen declutter challenge 137/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001
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