Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Joyous January's No-Spend Days Challenge!
Comments
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A spendy weekend as am with my lovely daughters in Liverpool and am going to treat us all to lunch today. After being treated with beautiful home cooked food yesterday, it’ the least I can do. I also gave an amount of money to an elderly lady wrapped in a blanket on the street, when I saw her, it brought tears. I hadn’t anticipated that.3
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Wanna_Bee_Free - Not this morningWanna_Bee_Free said:Wow Dizzycap were you declaring before going to bed!

Another one declaring early for today.
I woke up very early and decided to do some gentle cleaning and decluttering, so declared early
loopylupin - Well Done & Congratulations! Always declare your NSDs even if they go over your personal goal as it inspires both you and others to keep going on the NSD Train
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1934.27 / £2026 (4)4 -
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/£10002 -
@loopylupin yes definitely, no matter what your target, you can still get all the emojis! xxloopylupin said:2 more NSD for me, one yesterday and one Friday! I didn’t know if I could count NSD’s over my target. This page keeps me on track thank you.
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January 2026 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targets32b3in2013 7/18
AuntieL 16/15
beanielou 25/19
cathybird 19/15
Changeyourlife25 7/10
crazybeautiful 19/25
cuddlymarm 12/15
Dizzycap 22/20
doingitanyway 8/12
Doris17 21/20
Honeysucklelou2 6/10
ilovetea 20/20
InDebtEnby 12/13
KajiKita 20/20
laurenh1 15/18
leftatthetrafficlights 15LittleMissDetermined 17/20
loopylupin 12/10
Mamma2004 12/10
MissMoneyMishap 11/12
NeverendingDMP 1/10
Pinkpieuni 8/10
Prodigal50 12/10
RhiBi 10/10
RollinginClover 15ShelivesintheShire 13/20
snugglenush 2/10
SovereigntyQueen 31Teamjarjar 5Tenar15 8/12
Thriftymissus 21/20
ThriftyPrincess40 21/20
VickyA 2 14/15
Wanna Bee Free 17/10
yellowstickerfan 10/15
To see the updated results for January on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
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NSD for me please 21/20
We did go for lunch, Christmas Gift Card covered the cost.
"My Life Is About The Journey Not The Destination"2 -
NSD for me, please. Now up to 14/15
I hope that either tomorrow or Tuesday will see me hitting my target. I need to pay for the renewal of my gym membership (which I DO use!), which hampers things. It's all budgeted for, but I appreciate that gym membership is rather a luxury. Cancelled my Disney+ subscription for the time being.
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 declared2 -
Another 2 for me please lovelies !
7/10! 💪🥰
Feb GC 🥬🍑 £6.14/£500
Jan 26 GC 🥞🧇 £570.69/£500
Debt free in 2026 - £551.03 of £4,226.52
NSD FEB 0/10
NSD JAN 8/10
PAD FEB £2.24
PAD JAN £140.381 -
NSD Sunday here 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- 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 28 books of target 52 in 2026 as @ 23rd 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
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