Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15
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Outstanding October's No-Spend Days Challenge!
Comments
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NSD Sunday 😁 No spending plans todayMFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £93,038.66 (10years 5months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = /£10001 -
3/12 Please @cathybird I did buy 24 hour car insurance, however I didn't drive the car so I got a full refund, therefore nothing spent. Thank you XX.1
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Today is my first NSD for October! And I'm off!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
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Not today, but that’s okay as I found a present for the impossibility of my dad’s birthday! 🎉🎊🤩😂
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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
Not today as I was sociable after the morning run and bought tea and a pastry, then had lunch out.Current No Spend Challenge: 11/13
2025 No Spend Days: 158/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
@doingitanyway absolutely everyone is welcome, no one here can say someone can't join, it doesn't work like that (in case I need to say that)! xx Sometimes I worry that people who join the challenge but then don't finish or reach target for whatever reason think they can't rejoin the following month, but that's absolutely when people should rejoin (I think)
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October 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 5/18
beanielou 4/19
Caeraugirl 10cathybird 4/15
Changeyourlife25 2/10
Crazybee787 3/12
Crazycatlady2 15Dizzycap 6/20
doingitanyway 3/12
Doris17 3/15
Emmel 12InDebtEnby 3/13
KajiKita 3/20
laurenh1 3/18
LittleMissDetermined 5/18
Pinkpieuni 2/10
Prodigal50 10Quantaqa 15QueenJess 3/15
short bird 3/18
Tenar15 10VickyA 2 1/15
To see the updated results for October on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞3 -
Super going all
It's a 5/20 NSD Sunday!
As I have a very hectic day tomorrow with an exceedinly early start, I'm going to declare a 6/20 NSD Monday now as I won't have time to spend & will probably forget to report it tomorrow
~ Totally FREE Christmas 2026~ NSD 2026 - NSD January 0/20 (1)# Spectos/Royal Mail Monitoring and Posting Panel 2026 - Rest# No.36 Make £2026 in 2026 £0 / £2026 (1)# No.12 Save £2 a Day 2026 £0 / £730 (1)# No.2 Save 1p A Day 2026 £0 / £667.95 (1)# No.19 52 Week Env Challenge 2026 £0 / £1378 (1)# No.4 Save £12k in 2026 £0 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £0 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)2 -
An unexpected day 3.‘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 -
Good morning, this is NSD #5 for me
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 #017EF £1000/£1000 | Sabbatical £4055/£60000
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