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Fabulous February's No-Spend Days Challenge!
Comments
-
NSD here 😊
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 -
A NSD today so I'm up to 9/15.
Yesterday was a low spend day, so not too bad in the grand scheme of things. I needed to buy a card for a friend's birthday, so money taken out of my "Presents and cards sinking fund", but still a spend. How do others manage the spending on cards etc? As it's budgeted for, do you include it as a NSD, or 'fess up and call it a spend?
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 -
I don’t buy cards or presents, my family and friends are really understanding thank goodness 💕
#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 -
I buy mine in bulk from Whistlefish.
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 -
February 2026 NSD totals
NSD-ers
Totals
Off to
a start
5 days
10 days
15 days
20 days
Target reached
Target
beaten
AuntieL
8/15
beanielou
13/19
BlueKelpie26
8/14
cathybird
7/TF
Changeyourlife25
3/10
crazybeautiful
7/20
cuddlymarm
4/15
Deb4
8/15
Dizzycap
14/20
doingitanyway
4/12
Doris17
12/20
Honeysucklelou2
3/10
ilovetea
10/20
InDebtEnby
4/13
KajiKita
13/20
laurenh1
10/18
leftatthetrafficlights
15
LittleMissDetermined
10/20
loopylupin
7/10
Mamma2004
6/10
NeverendingDMP
10
Pinkpieuni
8/10
Prodigal50
10
RhiBi
8/14
Rupacomp
6/10
Sallyp2
15
Thriftymissus
7/20
ThriftyPrincess40
12/20
VickyA 2
9/15
WannaBeeFree
4/10
Everyone welcome to join!
2 -
Another 2 for me taking me to 8
Not sure how many I will get this week with it being half-term but hopefully I will get a couple more
Make £2026 in 2026 #19
February NSD1 -
1 more for me yesterday. Hard won as we are in crisis mode with my little sis in hosptal and a 91 year old father to take for hospital visits, cook dinner and keep house for. Plus he lives a distance away from me and hospital so a lot of hours in cars too. My vertigo is worse. I hope this crisis eases soon.
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 today
I’m so sorry @Wanna_Bee_Free 😢
#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 320/5002 -
Thank you Thrifty Princess!
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
April NSD challenge 12/10
April AFD challenge 6/142
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