Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Awesome August's No-Spend Days Challenge!
Comments
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NSD today!!Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
NSD today 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £92,396.89 (10years 4months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £44.43/ £10001 -
AugustOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
August targetsAuntieL 9/10beanielou 16/19
BlackCoffeeNoSugar 8/10
cathybird 12/15
Crazycatlady2 15/15
GeorgianaCavendish 16/19
IslaMujeres 1/TF
jammy dodger
KajiKita 15/15
LemonadeBudget 10/15
lianne1984 6/10
LittleMissDetermined 13/14
Makingabobor2 4/15
outoftheviciouscircle 1/15
QueenJess 12/15
Rupacomp 11/15
Saver-upper 5/15
short bird 15/18
2sonmum 10
Newcomers welcome 
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Totally failed at buying yellow rattle seed (they wouldn’t accept either of my cards! 🙄) so two more NSDs please 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 4 books of target 52 in 2026 as @ 11th January
Produce tracker: £18 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 -
An NSD for me 1
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Well done Rupacomp, AuntieL and KajiKita
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Another NSD for Tuesday. I had none for ages at the start of August and now I can’t stop having them 😂2026 decluttering: 72 🤑🥉 ⭐️
2026 use up challenge: 30🥉
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 I 🥉25 🥈50 🥇100 💎1502 -
On Tuesday i ordered a new phone….technically not a spend as nothing to pay upfront and DD will replace my current one 😂 used birthday money for a case and screen protector 🤷♀️1
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Day 15 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.1 -
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
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