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Splendid September's No-Spend Days Challenge!

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  • NSD #13 today please :) 
  • #12 for me today. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .

    Studies/surveys  August £7.48

    Decluttering items 771

    Books read    14
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • AuntieL
    AuntieL Posts: 370 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    NSD for me today 😁 Reached my target
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    June 2025 NSD Challenge 1/18

    MFW 2025 #45
    Jan 2016 Mortgage = £149,895
    Current outstanding = £97,725
    2024 Overpayment = £675.66
    2025 Overpayment = £529/£700
  • KajiKita
    KajiKita Posts: 7,691 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD here today 😊
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • cathybird
    cathybird Posts: 15,654 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not one for me today, took a pet to the vet's (just a check-up). 

  • cathybird
    cathybird Posts: 15,654 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 26 September 2023 at 12:45PM
    September

    Off to a start = image
    5 days = image

    10 days = image
    15 days = image
    20 days = image Target reached = image Target beaten = image
    September targets
    AuntieL 12/12 image  image  image  image
    beanielou 20/19 image  image  image  image  image  image  image BlackCoffeeNoSugar 10/15 image  image  image  cathybird 20/15 image  image  image  image  image  image  image craftingmad 15 Crazycatlady2 19/18 image  image  image  image  image  image Ef79 9/12 image  image  GeorgianaCavendish 13/18 image  image  image jammy dodger KajiKita 18/15 image  image  image  image  image  image lianne1984 10 LittleMissDetermined 19/19 image  image  image  image  image Makingabobor2 12/15 image  image  image  Money Choices 10 image Pinkpenguin 7 QueenJess 16/17 image  image  image  image Rupacomp 15/15 image  image  image  image  image Saver-upper 10/15 image  image  image short bird 15/18 image  image  image  image Newcomers welcome :)
  • cathybird
    cathybird Posts: 15,654 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done Saver-upper, Crazycatlady2, QueenJess, BlackCoffeeNoSugar, beanie, GeorgianaCavendish, Makingabobor2, AuntieL and KajiKita imageimageimage
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • Completely forgot to check in yesterday - had a Monday NSD (only bought my prescription meds and essential groceries)
    Savings goal by 31/12/24: £22000
    Dec 23: £6945.23
  • cathybird
    cathybird Posts: 15,654 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    image

    Yes there's a shiny new month just round the corner, any thoughts on targets? ... image

    October targets
    AuntieL
    beanielou 19 BlackCoffeeNoSugar cathybird 15 Crazycatlady2 Ef79 GeorgianaCavendish jammy dodger KajiKita lianne1984 LittleMissDetermined Makingabobor2 Money Choices QueenJess Rupacomp Saver-upper short bird Newcomers welcome :)
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