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Splendid September's NSD Challenge!
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5/12 achieved yesterday. Been lots of spending recently because of kids getting invited to parties etc. Really messes with my NSD plans!Beware of little expenses. A small leak will sink a great ship.
Debt at highest = £62,842.59 (Dec 2018) - now £40,581.49 (12.08.25)Mortgage start Dec 2024 £247,069.59 - now £243,571.35Mortgage overpayment total = £300Emergency fund £1003.35/£120001 -
Really fallen off the wagon this month. Sick of wearing clothes I hate and waiting for pregnancies/bf etc to end to sort it out. Been waiting about 5 years!
Anyway, I finally had a massive purge so pretty much everything left is stuff that fits, I like and actually wear. I then needed to fill some gaps for many items that had fallen apart/didn’t fit. I did source them all second hand though.
Feel guilty spending money on myself (which is silly as I never seem to spend any on me), but I feel happy and relaxed when I open my wardrobe now! Back on the wagon tomorrow I promise!2025 decluttering: 3,984🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 340🥉🥈🥇💎🏆
Big kitchen declutter challenge 113/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002 -
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
SeptemberOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
September targets
Abigail- 8/10
BadBookkeeper 9/15
Balancinglife 7/12
beanielou 13/15
browneyed_girl 5/12
cathybird 13/15
Couldsavemore 10/15
GeorgianaCavendish 7/12
Honeysucklelou2 4/10
jammy dodger 9/18
kitty43 6/15
milann 6/15
Money Choices 10/18
QueenJess 5/15
scotmumof3 14/15
short bird 9/17
Sun Addict 7/12
welshspendthrift 7/15
WinterWarrior 8/15
Newcomers welcome
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QueenJess, that sounds very reasonable, and it saves a lot of energy and effort having an organized wardrobe, not that I can talk! I need to purge some of my clothes for sure. I'm thinking of investing in some more thermals for the winter though! You have to spend money sometimes, it's a good thing. xQueenJess said:Really fallen off the wagon this month. Sick of wearing clothes I hate and waiting for pregnancies/bf etc to end to sort it out. Been waiting about 5 years!
Anyway, I finally had a massive purge so pretty much everything left is stuff that fits, I like and actually wear. I then needed to fill some gaps for many items that had fallen apart/didn’t fit. I did source them all second hand though.
Feel guilty spending money on myself (which is silly as I never seem to spend any on me), but I feel happy and relaxed when I open my wardrobe now! Back on the wagon tomorrow I promise!1 -
hi!
Day 9 today...‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.2 -
Back on the wagon and calling a NSD early today 😊2025 decluttering: 3,984🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 340🥉🥈🥇💎🏆
Big kitchen declutter challenge 113/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
Calling in early for today. I’ve had a few bad days, but I’m giving myself a shake! Have a great Friday everyone 🧁Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p12 -
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
unexpected house guests so been a tad busy but have managed another 2 NSDS since i last checked in thanks cathybird x
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