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Fabulous February's No-Spend Days Challenge!
Comments
-
NSD here today 😊
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 53 books of target 52 in 2026 as @ 27th July.
Produce tracker: £192 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 here :—)
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
July NSD challenge 13/10
July AFD challenge 1/141 -
February 2026 NSD totals
NSD-ers
Totals
Off to
a start
5 days
10 days
15 days
20 days
Target reached
Target
beaten
AuntieL
6/15
beanielou
12/19
BlueKelpie26
6/14
cathybird
7/TF
Changeyourlife25
3/10
crazybeautiful
7/20
cuddlymarm
3/15
Deb4
6/15
Dizzycap
11/20
doingitanyway
3/12
Doris17
10/20
Honeysucklelou2
3/10
ilovetea
9/20
InDebtEnby
3/13
KajiKita
10/20
laurenh1
8/18
leftatthetrafficlights
15
LittleMissDetermined
9/20
loopylupin
5/10
Mamma2004
5/10
NeverendingDMP
10
Pinkpieuni
8/10
Prodigal50
10
RhiBi
8/14
Rupacomp
5/10
Sallyp2
15
Thriftymissus
6/20
ThriftyPrincess40
9/20
VickyA 2
7/15
WannaBeeFree
3/10
Everyone welcome to join!
2 -
Another NSD today!
Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
I’ve had a couple of spendy days but pleased to take advantage of points, offers, Cashback etc.
Essential spends on petrol and train fare for work.
I had a free chocolate tiffin from Costa — but inevitably paid for the drink that went with it.
I used £23 Boots points and cleared them out. Went £4 over.
I spent £11 on a B&M voucher that I’d got through Top Cashback ages ago.
Yesterday I bought fish and chips, my first this year and my last for ages. They were lovely.Saved myself about £35 on a spa day through Top Cashback and Wowcher, after my partner transferred an amount to book one as my birthday present.
Got some packets of sweets for free at work and a free hand cream sample and hand treatment with salt crystals at the railway station. Very random but enjoyable.
I feel like I’ve got this out of my system now and can get back to not parting with cash or card payments!
4 -
@Thriftymissus - Thanks for sharing as you've jogged my memory to use my loyalty points when shopping tomorrow. I've got loads of Boots, Superdrug, Sainsbury & Tesco points & an Amazon gift card to use, so it may end up being a NSD 😉😁😅😂😎. I will have to go through all my Apps tonight and see what points & bonuses I have and make a NSD shopping plan for tomorrow 😛🤑
--**MONEYFACTS**-- FULL List of Money Comparison Products + News / Guides--Personal MSE 2026 Money Saving Challenges:# Regular Savers 2026- New 9/12 - Total: 31 (6)# No.2 Save 1p A Day Challenge 2026 £355.02 / £667.95 (6)# No.4 Save £12k in 2026 - £8492.37 / £12,000 (6)# £10-a-Day Challenge 2026 - £710.56 / £1825 (6)# No.8 Sealed Pot Challenge 19 (22/10) 426 / £400 (6)# No.27 - Top Up EP 2 £1255 / £2880 (6).# Decluttering Challenge (6)# No.4 £2 Savers Club 2026 - Completed# No.5 Fiver Friday Challenge 2026 - Completed# Make £2026 in 2026 - Completed# Spectos Mailagent - ReadyMotto: 'SAVE before you spend on Non-essentials'3 -
early call NSD again today for me (can’t remember if I called early NSD yesterday)
#no 3 Debts off by Xmas 2026 £1500/£12,500NSD June 23/22
#no 13 365 days 1p challenge 2026 Jan Feb March April May June paid
#no 2 £2 coin savers challenge 2026
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £12,500
1% challenge = £12,500
1% - £125 12%
loan 6% £110002 -
One today. Thanks @cathybird
Challenges
NSD - July - xx/10
1. 2026 Mortgage-Free Wannabes #61 £27,100/£27,100, target met June 2026, mortgage balance - £0. mortgage @ Jan 2025 - £75,600
2. 2026 Mortgage Free Wannabe #47 , buy to let deposit xx/20k
3. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
4.52 Week Envelope Saving Challenge #2 £689/£1,378 -( 26/52)
5. EF - £1,742
2 -
I had an unexpected NSD yesterday. I went to see a show in the local theatre, my mother had bought my ticket as a birthday present. We had a drink before and after which she insisted on buying to contribute to the birthday gift, which was very kind and unexpected. Also no plans to spend today, it’s the day before payday, so no further explanation needed! So that’s another 2 notched up!
Find a little bit of joy in every day.
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. 14 months left.2
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