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Fabulous February's No-Spend Days Challenge!
Comments
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NSD Monday 😁 Only essential spends today
Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15MFW 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 -
Another one for me today taking me to 14
Make £2026 in 2026 #19
February NSD1 -
sadly not one today, bought breakfast needed a Monday pick up. Will try better tomorrow.
1 -
February 2026 NSD totals
NSD-ers
Totals
Off to
a start
5 days
10 days
15 days
20 days
Target reached
Target
beaten
AuntieL
13/15
beanielou
21/19
BlueKelpie26
12/14
cathybird
8/TF
Changeyourlife25
3/10
crazybeautiful
16/20
cuddlymarm
6/15
Deb4
14/15
Dizzycap
23/20
doingitanyway
11/12
Doris17
18/20
Honeysucklelou2
6/10
ilovetea
18/20
InDebtEnby
9/13
KajiKita
20/20
laurenh1
16/18
LittleMissDetermined
16/20
loopylupin
11/10
Mamma2004
13/10
Pinkpieuni
11/10
RhiBi
13/14
Rupacomp
9/10
Thriftymissus
13/20
ThriftyPrincess40
22/20
VickyA 2
11/15
WannaBeeFree
8/10
Everyone welcome to join!
2 -
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 😂.
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (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)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1976.63 / £2026 (4)2 -
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. 👍
3 -
One yesterday and declaring early for today!
KKAs 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 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) 25/07/20251 -
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.
1 -
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 320/5001
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