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Fabulous February's No-Spend Days Challenge!
Comments
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NSD number 3 for Wednesday but didn't update. Thank you.
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
One today: my friend paid for lunch, I bought a new plant from my pocket money and b00ts completely failed to sell me any replacement makeup 💄!! 🙄😂😂😉
KK
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 = £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 -
You don’t have to count the parking for medical appointments
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.2 -
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 -
NSD today for me ☺️
Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
Day 7 of February and 7 NSDs so far.
Tomorrow is a spend day as going to the cinema with a friend for my birthday 🙂
Make £2026 in 2026 Current total £221.92
Save £1 per book read in 2026 Current total £5
Emergency fund Current total £270.36/£500
Pay off by Xmas 2026 Current total left £1071.86/£1300
January 2026 NSDs 29/25 February 2026 NSDs 22/20 March 2026 NSDs 26/20
April 2026 NSDs
Decluttering 365 items 50/3651 -
@loopylupin I don't think you need to count parking for a medical appointment so if that was your only spend I'd call that an NSD. xx
2 -
February 2026 NSD totals
NSD-ers
Totals
Off to
a start
5 days
10 days
15 days
20 days
Target reached
Target
beaten
32b3in2013
18
AuntieL
2/15
beanielou
7/19
BlueKelpie26
3/14
cathybird
6/TF
Changeyourlife25
3/10
crazybeautiful
7/20
cuddlymarm
1/15
Deb4
4/15
Dizzycap
6/20
doingitanyway
3/12
Doris17
6/20
Honeysucklelou2
3/10
ilovetea
3/20
InDebtEnby
2/13
KajiKita
6/20
laurenh1
4/18
leftatthetrafficlights
15
LittleMissDetermined
6/20
loopylupin
4/10
Mamma2004
3/10
MissMoneyMishap
12
NeverendingDMP
10
Pinkpieuni
4/10
Prodigal50
10
RhiBi
3/14
Rupacomp
3/10
Sallyp2
15
ShelivesintheShire
20
snugglenush
10
Tenar15
12
Thriftymissus
4/20
ThriftyPrincess40
6/20
VickyA 2
5/15
WannaBeeFree
2/10
yellowstickerfan
15
Everyone welcome to join!
1 -
thanks @cathybird for the February challenge. And all your shenanigans having to keep us updated with the table.
I’m adding 4 out of 7 so far this month. Should be another NSD tomorrow, fingers crossed.1 -
another early call for NSD today
#no 3 Debts off by Xmas 2026 £2175/£15,250
NSD March 14/22 NSD April 17/22
#no 13 365 days 1p challenge 2026 90/365
£40.95/£667.95
#no 2 £2 coin savers challenge 2026
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £2175
1% challenge = 14.2%
#cc1 700/4100 29%
#cc2 NatWest 600/3400 29%
#cc3 Halifax 390/2150 26%
#cc4. MBNA 485/5600 0% runs out soon
#loan1 1300/14000 7.2%
#loan2 858/11000 13%
#family loan /4000 0%#solicitors /8000
Crisis fund 320/5001
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