Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
February 2026 NSD Challenge /15
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Splendid September's No-Spend Days Challenge!
Comments
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NSD #9 for Sunday please, but not one today
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One for Saturday. Thought it wasn't, as we had to buy a birthday present for FIL, but DH sent me the money, so I officially didn't spend anything. Up to 7/15 nowMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,424....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1250/£3000
.
Studies/surveys Feb....£6.44
Decluttering items 1402/2025. 80/2026
Books read 23 in 2025. 2026- 4 (target is 52)
Jigsaws done 20 in 2025. 2 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
NSD for me todayMFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £91,703.12 (10years 3months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £148.86/£10001 -
3 NSDs to report - Saturday, Sunday and today 😃Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
SeptemberOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
September targetsAuntieL 8/12beanielou 14/19
BlackCoffeeNoSugar 8/15
cathybird 16/15
craftingmad 15
Crazycatlady2 13/18
Ef79 6/12
GeorgianaCavendish 9/18
jammy dodger
KajiKita 12/15
lianne1984 10
LittleMissDetermined 14/19
Makingabobor2 7/15
Money Choices 10
QueenJess 10/17
Rupacomp 11/15
short bird 11/18
Newcomers welcome 
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NSD today 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- 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 9 books of target 52 in 2026 as @ 27th January
Produce tracker: £36 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.0 -
One for me today but tomorrow won't be, am having lunch with a friend. 1
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Well done LittleMissDetermined, beanie, GeorgianaCavendish, Makingabobor2, AuntieL, Rupacomp and KajiKita
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It's a NSD for me today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60001 -
Early call for day 8 today1
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