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Joyous January's No-Spend Days Challenge!
Comments
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Thank you! No, not really taking money out for things I should have a category for. I think my biggest issue is that 2 years ago I could comfortably feed us all for £60 a week and now I can't so I am eeking myself through the month. Then I am torn because I also don't want to move more money into my monthly spends and them become more wasteful…I think £100 might be the better option actually and I will save £300. Reassessing in April is a good plan!
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I can see them now 😊
One today.
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 -
NSD Wednesday 😁 @cathybird I hope you have a lovely trip.
Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15MFW 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 -
One more today, I'm pleased even though I won't make it to 15 as I've got a lot on at the end of the week.
Many thanks @cathybird for coordinating this x
12/15 NSDs in January1 -
hi
I worked at home today, coffee from the kitchen but from a coffee shop, made a meal from items in the cupboard, not needed to buy a thing.
So that’s another NSD woohoo!
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@laurenh1 what @Wanna_Bee_Free said, except if it was me I'd maybe bump general savings up by a smaller amount, maybe £50 for a fortnight and see how you go with that, then if it's not enough raise it again by another £50, until you reach the point where you feel a bit more comfortable. But as you say these things are very personal. xx :) :)
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January results updated here :) :)
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@KajiKita yay! One advantage of the link actually is the emojis display at the proper size, even on phones - the forums have been shrinking pics for ages. So there's that!
@AuntieL thank you xx :)
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My first time typing in the new format. Let's see whether I break it…
I have made 16/15 NSDs now, so I've smashed my target. I'm truly delighted. 🤩
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 -
Well done.
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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
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