Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Splendid September's No-Spend Days Challenge!
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Please can I join in - I would like to aim for 15
Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.022 -
I know that one. Summer months seem to be the ones for working on the house plus the boiler had a melt down on us. Crossing my fingers for a quieter month spend-wise for both of us 😊Makingabobor2 said:Early call for day 1. Too busy stripping wallpaper to spend any money.
@KajiKita, basically there have just been a few things we had to spend on this last couple of months. But I think I've sorted things out now and should be ok. I don't count grocery shopping or petrol or DH's prescriptions or dentist check-up ( which we have due this month), as they are essential and are all budgeted for. So hopefully this month will be an improvement
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 39 books of target 52 in 2025, as @ 27th July
Produce tracker: £227 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 1 today 1
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Hi Cathybird
I would like to rejoin this challenge, over the last few months my Mum had been ill so I wasn’t able to do this challenge but she is better now.My goal is 10 NSDs this month.
Money Choices3-6 months Emergency Fund challenge No 81 £700/£2,400. NSD challenge 25 Jan 9/10 NSDs, Feb 10/10 NSDs, March 10/10 NSDs, April 9/10 NSDs, May 0/0 NSDs, June 5/12 NSDS.
Grocery Challenge 25 Jan £20/50, Feb £60/£100, March £229.48/£300, April £173.81/£120, May £0/£0, June £88.24/£150.002 -
Not one yesterday but 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 -
NSD #2 todayMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7002 -
SeptemberOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
September targetsAuntieL 2/12beanielou 1/19
BlackCoffeeNoSugar 1/15
cathybird 2/15
craftingmad 15
Crazycatlady2 18
Ef79
GeorgianaCavendish 18
IndiJonesi
jammy dodger
KajiKita 1/15
lianne1984 10
LemonadeBudget
LittleMissDetermined 19
Makingabobor2 15
Money Choices 10
MrsCautious
QueenJess 17
Rupacomp
Saver-upper
short bird 1/18
stay at home mum
Newcomers welcome
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Hi and welcome back craftingmad and Money Choices
Money Choices, sorry to hear your mother has been ill, glad to hear she's better though x 
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Today was an NSD for me. 1
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Today (Saturday 2nd) was day 1.‘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
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