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Fabulous February's No-Spend Days Challenge!

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Comments

  • AuntieL
    AuntieL Posts: 502 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic

    NSD Monday 😁 Only essential spends today

    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    April 2026 NSD Challenge 0/15

    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/£1000
  • Deb4
    Deb4 Posts: 345 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper

    Another one for me today taking me to 14


    Make £2026 in 2026 #19
    February NSD 
  • loopylupin
    loopylupin Posts: 69 Forumite
    Sixth Anniversary 10 Posts Name Dropper Photogenic

    sadly not one today, bought breakfast needed a Monday pick up. Will try better tomorrow.

  • cathybird
    cathybird Posts: 16,538 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 24 February at 12:33PM

    February 2026 NSD totals

    NSD-ers

    Totals

    Off to

    a start

    5 days

    10 days

    15 days

    20 days

    Target reached

    Target

    beaten

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    AuntieL

    13/15

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    beanielou

    21/19

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    BlueKelpie26

    12/14

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    cathybird

    8/TF

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    Changeyourlife25

    3/10

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    crazybeautiful

    16/20

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    cuddlymarm

    6/15

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    Deb4

    14/15

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    Dizzycap

    23/20

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    doingitanyway

    11/12

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    Doris17

    18/20

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    Honeysucklelou2

    6/10

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    ilovetea

    18/20

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    InDebtEnby

    9/13

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    KajiKita

    20/20

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    laurenh1

    16/18

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    LittleMissDetermined

    16/20

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    loopylupin

    11/10

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    Mamma2004

    13/10

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    Pinkpieuni

    11/10

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    RhiBi

    13/14

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    Rupacomp

    9/10

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    Thriftymissus

    13/20

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    ThriftyPrincess40

    22/20

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    VickyA 2

    11/15

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    WannaBeeFree

    8/10

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    Everyone welcome to join!  Untitled Image

  • Dizzycap
    Dizzycap Posts: 1,825 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 24 February at 1:32AM

    Very early call for a 23/20 NSD Tuesday. After pottering about very slowly in the garden with several required breaks and then having a last minute unplanned appointment late Monday, today is definately a NSD again as I'm shattered xx Hoping to slowly potter about in the garden again today; babyface is loving being helper 😂🤣 as I have a couple more jobs to do before the 7-10 days of rain cycle starts on Wednesday/Thursday 🙄 - Spring is well on it's way and all my snow drops are finally out 😍

    @cathybird - Having thought about it for a couple of days, I'm going to try a new approach to my NSD target from March, if that's ok with you? I find that it's not the getting to 20 that causes me a little stress at times, but the getting to the 10 NSD halfway mark, which is very strange! 🤔For that reason, I would like not to set an initial monthly NSD target; my usual 20, until I get to 10+ - As I'm limited in physical movement at present and for several months ahead mixed in with my natural dislike of shopping at the best of times, It's highly unlikely that I'll be going on a daily spending spree 😂.

    ~ NSD 2026 Challenge April 25/20 (4)
    # No.12 Save £2 a Day 2026 £243.32 / £730 (4)
    # No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)
    # No.19 52 Week Env Challenge 2026 £520 / £1378 (4)
    # No.4 Save £12k in 2026  £6,234.25 / £12,000 (4)
    # No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)
    No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)
    # Make £2026 in 2026 £1976.63 / £2026 (4)
  • Thriftymissus
    Thriftymissus Posts: 363 Forumite
    100 Posts First Anniversary Photogenic Name Dropper

    thank you @Dizzycap @ThriftyPrincess40 @cathybird, yeah I’ve been waylaid a bit this month but I can keep going. Thank you for your thoughtful encouragement ❤️

    I have 2 to add. 👍

  • KajiKita
    KajiKita Posts: 10,011 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic

    One yesterday and declaring early for today!

    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. 
  • doingitanyway
    doingitanyway Posts: 10,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 24 February at 8:49AM

    a NSD yesterday and one last Friday so 10/12 please

    Just checked my diary and Friday was also a NSD so 11/12 please

    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) 25/07/2025
  • RhiBi
    RhiBi Posts: 932 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker

    I’m looking NSD 13 today, I’m working until 7pm and my milk will last until tomorrow!

    Find a little bit of joy in every day.

  • NSD today and definitely no money to spend still 🤦🏻‍♀️ a good thing though

    #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 320/500
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