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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Another NSD for me - reached my target 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7002 -
NSD today 😊
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 -
Day 9 today1
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Another NSD today!Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
AugustOff to a start =5 days =
10 days =
15 days =
20 days =Target reached =
Target beaten =
August targetsAuntieL 10/10beanielou 18/19BlackCoffeeNoSugar 9/10
cathybird 13/15
Crazycatlady2 15/15
GeorgianaCavendish 19/19
IslaMujeres 1/TF
jammy dodger KajiKita 16/15
LemonadeBudget 10/15
lianne1984 6/10
LittleMissDetermined 13/14
Makingabobor2 5/15
outoftheviciouscircle 1/15
QueenJess 13/15
Rupacomp 12/15
Saver-upper 5/15
short bird 15/18
2sonmum 10 Newcomers welcome
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Well done QueenJess, Crazycatlady2, short bird, beanie, AuntieL, KajiKita, BlackCoffeeNoSugar and Rupacomp2
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Declaring a NSD early 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 -
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 -
Finally up to 5. Did actually spend on groceries, but was from budget as normal shopping day, so I don't count that as spending. So far the month has been pretty dire.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
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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-up2 -
Claiming NSD #17 for 22nd ; NSD #18 for 23rd and NSD #19 for today please2
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