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Joyous January's No-Spend Days Challenge!
Comments
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I had one yesterday 😊
@cathybird, maybe I’m misremembering but I think I asked for a target of 20 for January? 🤔
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- 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 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 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 -
Good morning
Another today please making it NSD 2/15
Pay off by Xmas 2026 £175/£2324.67
January NSDs 9/15
January PADs £520
January grocery challenge £87.56/£1501 -
Nsd today.
Challenges
NSD - January - 7/10
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 -
One for me 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 £4220/£60001 -
NSD today feeling miserable as I made minimum payments end of December and overpayments but my interest amounts for this month have gone up, so I’m back to square one 😢 I’m going to have to reset my signatures#no 3 Debts off by Xmas 2026 £633.58/£15,250
NSD Jan 17/20
#no 13 365 days 1p challenge 2026
£17.70/£667.95 paid 59/365
#no 2 £2 coin savers challenge 2026 £12
#no 11 SPC 19 £44 banked restart £19.66
2026 PAD challenge £660
1% challenge = 5%
#cc1 200/4100 29%
#cc2 NatWest 210/3400 29%
#cc3 Halifax 60/2150 26%
#cc4. MBNA 80 /5600 0% runs out soon
#loan1 /14000 7.2%
#loan2 /11000 13%
#family loan /3000 0%#solicitors /35004 -
One for me today 3/15.
D.x
"My Life Is About The Journey Not The Destination"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.1 -
Had a spend day yesterday as I had my hair done. Wash, cut and blow dry for the bargain price of £12.
Wish I hadn't had it cut now as rather cold !!!
NSD no. 2 today though
ilovetea xx
Make £2026 in 2026 £23-78.
Declutter 43 items in 2026
NSD's in Jan. 15/201 -
Grr very annoying. Keep at it though 💪 Have you looked to see of any of the debts can be moved to interest free credit cards? XThriftyPrincess40 said:NSD today feeling miserable as I made minimum payments end of December and overpayments but my interest amounts for this month have gone up, so I’m back to square one 😢 I’m going to have to reset my signatures3 -
NSD Saturday 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15MFW 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
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