Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 1/18
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Awesome August's No-Spend Days Challenge!
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I have been offered a free ticket to the Proms tonight so going to go, but will probably have a drink while I'm there, so not an NSD.
Back to normal tomorrow. 1 -
NSD today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
Not today - haircut and bits from boots. The boots-bits were from points but the haircut wasn’t 😉
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: £272 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.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 -
Wow, lucky you.cathybird said:I have been offered a free ticket to the Proms tonight so going to go, but will probably have a drink while I'm there, so not an NSD. Back to normal tomorrow.
When I was more able I always wanted to go.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 -
Spent today on a cinema trip with snacks and alcohol which I didn’t know they sold 😂
then Takeaway for tea 🤷♀️2 -
AugustOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
August targetsAuntieL 5/10beanielou 8/19
BlackCoffeeNoSugar 5/10
cathybird 6/15
Crazycatlady2 9/15
GeorgianaCavendish 8/19
jammy dodger
KajiKita 7/15
LemonadeBudget 5/15
lianne1984 3/10
LittleMissDetermined 7/14
Makingabobor2 3/15
outoftheviciouscircle 1/15
QueenJess 4/15
Rupacomp 5/15
Saver-upper 3/15
short bird 7/18
2sonmum 10
Newcomers welcome
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Well done AuntieL and beanie
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Declaring a NSD early today.2025 decluttering: 3,925🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 334🥉🥈🥇💎🏆
Big kitchen declutter challenge 109/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002
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