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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NSD #8 😁 Being back at work is helping me spend lessMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
AugustOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
August targetsAuntieL 8/10beanielou 13/19
BlackCoffeeNoSugar 7/10
cathybird 9/15
Crazycatlady2 12/15
GeorgianaCavendish 12/19
IslaMujeres 1/TF
jammy dodger
KajiKita 12/15
LemonadeBudget 10/15
lianne1984 6/10
LittleMissDetermined 11/14
Makingabobor2 3/15
outoftheviciouscircle 1/15
QueenJess 8/15
Rupacomp 9/15
Saver-upper 5/15
short bird 11/18
2sonmum 10
Newcomers welcome 
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NSD #6 for me todayFebruary NSDs: 0 / 10
February PADs: 2 / 29
February Groceries Challenge: £59 / £250
February Make £5 a Day: £255 / £145
Current Debt: £3159 | CC £1490 | N £571 | C £725 | E £373
Weight Loss Challenge 2024: 0 lbs0 -
Well done KajiKita, LittleMissDetermined, beanie, short bird, Crazycatlady2, AuntieL and lianne1984
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Another NSD today.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 -
Another NSD today as well.
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 -
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 -
NSD today, but not tomorrow - *actually* going out for lunch with a friend! 🥳🎉😊
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.2 -
Not one for me again, had cleaners through for renovation cleanup and bought some plants. Back in the saddle tomorrow. 1
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EnjoyKajiKita said:NSD today, but not tomorrow - *actually* going out for lunch with a friend! 🥳🎉😊
KK 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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