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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another NSD today
#no 3 Debts off by Xmas 2026 £15,250 PAID restart £12,500NSD May 5/22
#no 13 365 days 1p challenge 2026 120/ 365
#no 2 £2 coin savers challenge 2026
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £12,500
1% challenge = 100% paid RESTART / £12,500
1% -
#cc4. MBNA 0/2000 0% runs out soon
#loan2 0/10,500 13%
Crisis fund 500/10002 -
January results updated here :) :)
1 -
It's a 25/20 NSD Friday 😘. @ cathybird: Please can I keep 20 NSD for February - Thank you 😋
Personal MSE 2026 Money Saving Challenges:# No.2 Save 1p A Day Challenge 2026 £295.85 / £667.95 (5)# No.4 Save £12k in 2026 - £7495.78 / £12,000 (5)# £10-a-Day Challenge 2026 - £479.94 / £1825 (5)# No.8 Sealed Pot Challenge 19 (24/10) 286.45 / £400 (5)# No.27 - Top Up EP 2 £1105 / £2880 (5).# Decluttering Challenge (5)# No.4 £2 Savers Club 2026 - Completed# No.5 Fiver Friday Challenge 2026 - Completed# Make £2026 in 2026 - Completed# Spectos Mailagent - Ready1 -
It's a NSD for me today
LMD x
Life 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 £4861/£60001 -
spend day for me. Can I keep it at 20 next month. Thank you for doing this thread ❤️
#no 3 Debts off by Xmas 2026 £15,250 PAID restart £12,500NSD May 5/22
#no 13 365 days 1p challenge 2026 120/ 365
#no 2 £2 coin savers challenge 2026
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £12,500
1% challenge = 100% paid RESTART / £12,500
1% -
#cc4. MBNA 0/2000 0% runs out soon
#loan2 0/10,500 13%
Crisis fund 500/10001 -
thank you @cathybird for continuing this challenge.
I’m buying new printer ink today as taking it out and shaking it doesn’t seem to work anymore 😀I’d like a target of 20 for February please.
thanks very much.1 -
Dizxycap hope medical stuff went ok. I'm off to the dentist so a spend day for me today…It might be apart from that.
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
April NSD challenge 12/10
April AFD challenge 6/141 -
NSD Friday 😁
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 -
I am now back from my trip and ready to have a proper look at this new comments setup. Apologies to all for not putting up a Hello February list, between being away and the kerfuffle about the comments, I clean forgot. I'll post a list this evening.
January NSD results updated here :) :)
2 -
As at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 32 books of target 52 in 2026 as @ 17th May.
Produce tracker: £108 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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