Off to a start = 
5 days = 
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Splendid September's No-Spend Days Challenge!
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NSD number 2 today. Aiming for another tomorrowSavings goal by 31/12/24: £22000
Dec 23: £6945.231 -
Declaring a NSD early today,2025 decluttering: 5,307 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 435🥉🥈🥇💎🏆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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It's one for me today please
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 -
Day 3 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.1 -
NSD #4 today please
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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 -
September
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
September targetsAuntieL 2/12beanielou 5/19
BlackCoffeeNoSugar 1/15
cathybird 6/15
craftingmad 15
Crazycatlady2 18
Ef79
GeorgianaCavendish 4/18
IndiJonesi
jammy dodger
KajiKita 4/15
lianne1984 10
LemonadeBudget
LittleMissDetermined 5/19
Makingabobor2 2/15
Money Choices 10
MrsCautious
QueenJess 3/17
Rupacomp 2/15
Saver-upper
short bird 3/18
stay at home mum
Newcomers welcome 
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NSD today. Day at the beach with a packed lunch and the only spend was two ice creams which came out of my pocket money 😊
KKAs 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 61 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 -
Well done Rupacomp, QueenJess, LittleMissDetermined, short bird, GeorgianaCavendish, beanie and KajiKita
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Early call for one today please
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/£60002
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