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)
We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Joyous January's NSD Challenge!
Options
Comments
-
Didn’t report yesterday because I had a strange interaction with @viva telling me that they had taken £208 for an unwanted car insurance renewal (from two years ago ….) However, they haven’t from my current account (I checked) and the credit card I was using at the time (JL) I have since closed down ….
Net result, declaring yesterday an NSD!
7 out of 15 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £276 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
An early call for a NSD.2025 decluttering: 3,979🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 339🥉🥈🥇💎🏆
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 -
#15 10 NSDs
Early call as I have the day mapped out and it doesn’t involve spending any money. Not sure I’ve ever gone this long without spending money - it’s not 10 in a row though! Really going to try and keep going.3 -
NSD #7 today ... 7 down, 10 to go!2
-
Well done for resisting! Stay strong!!MrsCautious said:#15 checking in with #NSD number 8.
went to post some parcels, paid by card from delivery payments made by eBay buyers, so not a spend for me x
Resisted all impulses to buy anything else, mainly chocolate 🤦🏻♀️😀3 -
NSD #8/16 for me please! Thanks @cathybirdNovember 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)3 -
Washer here…still feel sick about how much I spent as had to have delivery plus installation and recycling 😢
bought bed sheets today 🤷♀️3 -
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 -
This is day11!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.4 -
JanuaryOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAdeley 5/25Arwen 1/10
beanielou 11/15
bekah89 9/15
cathybird 9/15
cherry 22 6/10
CMD79 8/16
craftingmad 3/15
Crazycatlady2 7/20
Diane1276 10
funfairprincess 3/10
GeorgianaCavendish 7/17
gm2917 3/15
HappyFriday05 5/8
herebeme 6/15
jammy dodger 6/18
KajiKita 7/15
Karb 3/15
Lanky larry 2/20
leftatthetrafficlights 1/15
lindsaygalaxy 1/15
LittleMissDetermined 5/10
LLM2018 5/20
Makingabobor2 8/15
Money Choices 15
MrsCautious 10/15
MummyRivett 7/25
newroadahead 5/10
outoftheviciouscircle 5/15
QueenJess 7/20
Rupacomp 7/15
Saver-upper 6/15
short bird 7/18
try harder 9/21
Newcomers welcome
2
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards