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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Early declaration for a NSD today
I will aim for 20 in October pleaseLife 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 -
Not sure on today yet.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 -
I found this month more difficult to reach my target than August. I also have two weeks’ holidays in October so I’m going to aim for 12 NSD again.MFW 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 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
October targetsAuntieL 12beanielou 19 BlackCoffeeNoSugar 15 cathybird 12 Crazycatlady2 18 Ef79 GeorgianaCavendish 17 jammy dodger KajiKita 15 lianne1984 LittleMissDetermined 20 Makingabobor2 Money Choices QueenJess 15 Rupacomp 9 Saver-upper short bird 15 Newcomers welcome
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SeptemberOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
September targetsAuntieL 12/12beanielou 20/19
BlackCoffeeNoSugar 10/15
cathybird 22/15
craftingmad 15
Crazycatlady2 19/18
Ef79 9/12
GeorgianaCavendish 13/18
jammy dodger
KajiKita 20/15
lianne1984 10
LittleMissDetermined 20/19
Makingabobor2 12/15
Money Choices 10
Pinkpenguin 7
QueenJess 18/17
Rupacomp 16/15
Saver-upper 10/15
short bird 17/18
Newcomers welcome
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Another NSD today.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 🏆3001 -
No spend yesterday or today, I think that gets me to 20 days! 🎉🥳😊
15 for October so I can get the excitement of beating my target! ❤️😉
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 -
Day 17 today.‘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.2 -
Not 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 -
Well done LittleMissDetermined, QueenJess, KajiKita and short bird
1
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