Off to a start = 
5 days = 
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Splendid September's No-Spend Days Challenge!
Comments
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Not one today sadly
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 -
September
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
September targetsAuntieL 5/12beanielou 10/19
BlackCoffeeNoSugar 5/15
cathybird 11/15
craftingmad 15
Crazycatlady2 12/18
Ef79 6/12
GeorgianaCavendish 7/18
jammy dodger
KajiKita 8/15
lianne1984 10
LittleMissDetermined 11/19
Makingabobor2 6/15
Money Choices 10
QueenJess 8/17
Rupacomp 7/15
short bird 9/18
Newcomers welcome 
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Well done KajiKita, BlackCoffeeNoSugar, GeorgianaCavendish, short bird, Ef79, QueenJess, AuntieL, Rupacomp and LittleMissDetermined
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£177 - could have been a lot worse! 😊cathybird said:
Ouch, hope that won't be too expensiveKajiKita said:One for yesterday but not today - my car exhaust has decided to detatch itself …. 🙄😉
KK
As at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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 -
Declaring a NSD early today.2025 decluttering: 5,354 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 450🥉🥈🥇💎🏆Big kitchen declutter challenge 139/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001
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I'm also declaring early today. I have a day full of meetings and an evening in front of the TV planned
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£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 -
Day 9 today. Won't be one tomorrow, hairdresser's.‘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 -
Another one for me today.Credit card 1800
Overdraft 250
EF 501
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