Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Nifty November's No-Spend Days challenge!
Comments
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NSD Sunday 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10001 -
Didn't go out yesterday or today so 8 for me today 😁'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £1471.53/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £1471.53/£6700
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'1 -
One today 😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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 -
Late to the November party, but it's been quite a few days/week or so! Anyway, I'm able to add 4 NSDs straight away, so it's 4/15 so far.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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November 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 6/18
beanielou 8/19
BogStandardBob 3/12
cathybird 4/15
Changeyourlife25 10Crazybee787 3/12
Dizzycap 8/15
doingitanyway 1/12
Doris17 6/15
InDebtEnby 3/13
KajiKita 6/20
laurenh1 8/18
leftatthetrafficlights 8/15
LittleMissDetermined 7/12
Pinkpieuni 5/10
Prodigal50 10QueenJess 15short bird 18VickyA 2 4/15woodyemm 10To see the updated results for November on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
It's one today please
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60002 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
I'm struggling to not spend now that I don't have structured days after going on reduced hours.
I think I need to look at prepaying for activities so that I can gain some NSDs.Current No Spend Challenge: 8/13
2025 No Spend Days: 46/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Nsd yesterday.
Challenges
NSD - April - 8/10
1. 2026 Mortgage-Free Wannabes #61 £14,031.82/£29,000, MF target May 2026, current mortgage balance - £14,582.78
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £106/£1,378 -( 1/52)
4. EF - £842
1 -
NSD for me please. 6/15
"My Life Is About The Journey Not The Destination"1
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