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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Dazzling December's NSD Challenge!
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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 -
Another NSD today.
2025 decluttering: 3,896🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 333🥉🥈🥇💎🏆
Big kitchen declutter challenge 107/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
NSD #6 today please
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6/10 for me nowSaving for Christmas 2023 - £1 a day: #16. £90/£365
December 2022 Grocery Challenge: £137.9/£150
January 2023 Grocery Challenge; £79.12/£150
February 2023 Grocery Challenge: £2.65/£120
December NSD: 15/10
January NSD: 15/15
February NSD: 1/15
Make £2023 in 2023: #20. £128.39/£2023
2023 Decluttering: 3/3652 -
11/15 for me today thanks cathybird was planning to go out food shopping for christmas beore shops go mental with panic buyers but snowing heavy on top of already compacted snow so shall leave it for another day..I'll be having beans on toast if weather doesnt improve...though i like beans on toast 3
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Hi everyone!
I hope you're all okay. Just checking in to say thank you to @cathybird for checking in on me while I've been quiet. I've been in a weird place mentally for a while, which has been unexpected. I am okay, I'm just trying to survive Christmas without blowing my chance! I'm doing my own head in, but I've mostly kept on the straight and narrow. A few minor misdemenours!
I would like to rejoin for the rest of the month if I can please! I've finished my gift shopping - I've got £150 on an M&S gift card and £48 on a Love2Shop gift card to get anything else I need, and my fuel and food money is on my Utility Warehouse card....
Oh and I've closed all my accounts (some I need to wait for the final statement or something before I can close.)
I think I can manage 12 NSDs
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A combination of weather/sickness has really helped reign in the spontaneous spending , which is great, but I really hope both lift soon - another NSD today 2
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Another one for me today. That's 7 now.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Studies/surveys August £7.48
Decluttering items 771
Books read 14
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
DecemberOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAdeley 8/20AnotherNewDay 10/10
beanielou 6/15
bekah89 7/15
cathybird 8/15
CMD79 12
Crazycatlady2 5/10
funfairprincess 15
GeorgianaCavendish 6/17
HappyFriday05 5
herebeme 6/10
jammy dodger 11/15
LittleMissDetermined 8/15
Makingabobor2 7/15
QueenJess 8/20
Rupacomp 5/10
short bird 5/14
Newcomers welcome
1 -
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
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