Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15
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Comments
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Early call for NSD #10 today please
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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.0 -
Another NSD for me todayMFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £93,038.66 (10years 5months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = /£10001 -
Day 7 today.Credit card 1891
Overdraft 0
2026 EF 100/30001 -
NSD #8 for me today. Although I did spend, it was groceries and medication that are budgeted for.
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,644....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF #68 £950/£3000
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Studies/surveys December £75.87
Decluttering items 1395/2025
Books read 22
Jigsaws done 18
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Another one 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 9/12beanielou 15/19
BlackCoffeeNoSugar 8/15
cathybird 16/15
craftingmad 15
Crazycatlady2 13/18
Ef79 7/12
GeorgianaCavendish 10/18
jammy dodger
KajiKita 13/15
lianne1984 10
LittleMissDetermined 14/19
Makingabobor2 8/15
Money Choices 10
QueenJess 10/17
Rupacomp 12/15
short bird 12/18
Newcomers welcome
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NSD today 😊
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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 12 today (Tuesday)‘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 -
Well done LittleMissDetermined, BlackCoffeeNoSugar, GeorgianaCavendish, beanie, AuntieL, Ef79, Makingabobor2, Rupacomp, KajiKita and short bird
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