November 2023
I'm always in it, it's only the depth that varies....
Current debt: £10,806.75
Debt free date April 2025 (though expecting this to come forward)
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Splendid September's NSD Challenge!
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21/20 for me today thanks cathybird x2
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Made it to 18 🎉 same again for October please2
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SeptemberOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
September targets
Adeley 25/25
beanielou 24/15
bekah89 14/15
cathybird 17/15
CMD79 19/15
craftingmad 10
Crazycatlady2 18/18
Doris17 3/15
GeorgianaCavendish 16/15
hazeldreams 7/10
Honeysucklelou2 10
jammy dodger 21/20
Keedie 2/10
LittleMissDetermined 21/13
Money Choices 10
QueenJess 21/17
Saver-upper 6/15
short bird 15/18
sunshine raincloud
Tahlullah.H 10
Newcomers welcome
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Yes there's a shiny new month just round the corner, any thoughts on targets? ...
October targetsAdeley 15beanielou 15 bekah89 15 cathybird 10 CMD79 16 Crazycatlady2 18 GeorgianaCavendish 15 hazeldreams jammy dodger 20 Keedie 5 LittleMissDetermined 15 QueenJess 15 Saver-upper short bird
Newcomers welcome
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Day 14 today I won’t quite make my target this month spendy day tomorrow! But I’ll try for 15 again for OctoberMarch NSD 14/15
Debt £9607.54/£11296.89
CC2:£2274.64/£2299.36 CC3: £1848/£1924.91 CC4:£25/£978.50 CC5: £1155/£1331.24 CC6: £3754.90/£4191.09 CC7: £550/£607.39
CC1: paid off 14/02/23PAYDBXMAS23 #4 £1432.74/£4000
Saving for Xmas 23 £30/£365
4.94% £570.89/£107
make £2023 in 2023 #24 £71.24/£20233 -
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.3 -
2025 decluttering: 3,958🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 338🥉🥈🥇💎🏆
Big kitchen declutter challenge 112/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002 -
Well done LittleMissDetermined, CMD79, jammy dodger, Crazycatlady2, bekah89, beanie and QueenJess
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It is payday, but aside from moving my pay into a dozen different pots (which helps me forget where it is and therefore can't spend it!) I am not going to spend a single penny! Nope. Nothing. Not even going to Co-Op for Friday snacks...
This is NSD #19/15 for me. Delighted with this, though I secretly wanted to get 20 so I got to Tooting emoji. I'm not a stupid person, but I was somehow surprised to find there was one less day in September than I thought!
Thanks everyone for spurring each other on. See you all in October! xxx4 -
I've been AWOL as I have not been in control of my spending as much as I would like this month and managed 2/10 days in total. I think I set my target unrealistically for my lifestyle.
@cathybird can I please be put down for 5 NSD in October? That should hopefully be doable, but it's me and my son's birthday plus half term, so we shall see. xx
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/502
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