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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Hi guys
I am a returning debt free wannabe who still hasn’t managed to curb my spending.Now expecting baby number 2 and more determined than ever to sort my debts out.Starting here first - I know I’m late to the Sep party but can I have 7 NSD’s to the end of this month please!Thanks xxOctober 2023 - £48,075
DFD - June 2030
October NSD - 152 -
It's one for me today please
Life 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 -
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 -
Welcome to our lovely friendly thread.Pinkpenguin said:Hi guys
I am a returning debt free wannabe who still hasn’t managed to curb my spending.Now expecting baby number 2 and more determined than ever to sort my debts out.Starting here first - I know I’m late to the Sep party but can I have 7 NSD’s to the end of this month please!Thanks xxI 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 -
3 more NSD's to report (Monday, Tuesday and today). Too busy at work to spend money.
2026 decluttering: 388 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️
2026 use up challenge: 129🥉 ⭐️🥈🥇 ⭐️ ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3002 -
NSD #10 for meMFW 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/£10002 -
NSD here 😊
(and a little OP 🤩)
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 -
Congratulations both on baby No. 2 and returning to tackle the debts. 😊 The first and hardest step is acknowledging what needs to be done - you’ve done that now so you already have your feet on the road.Pinkpenguin said:Hi guys
I am a returning debt free wannabe who still hasn’t managed to curb my spending.Now expecting baby number 2 and more determined than ever to sort my debts out.Starting here first - I know I’m late to the Sep party but can I have 7 NSD’s to the end of this month please!Thanks xx
Wishing you the best of luck 😊
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.1 -
3 to add please2
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Another one today.Credit card 1700
Overdraft 210
2026 EF 50/3000
All I want is a weather forecast saying there'll be more weather.2
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