Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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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 me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
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.
2025 decluttering: 4,908 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟2025 use up challenge: 351🥉🥈🥇💎🏆Mini freezer challenge 0/-20Big kitchen declutter challenge 115/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002 -
NSD #10 for meMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7002 -
NSD here 😊
(and a little OP 🤩)
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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.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 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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 -
3 to add please2
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Another one today.0 bonus saver
35 NS&I
233 credit union
0 Computer
Credit card 2250
Overdraft 02
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