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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Declaring a NSD early today.2025 decluttering: 3,550🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 309🥉🥈🥇💎🏆
Big kitchen declutter challenge 92/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002 -
Day 2 today - finally, feels like it has taken forever to get this one!2
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Early call for day 4.‘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.2 -
NSD here. Met a friend but she paid (this time) and I bought a salad box back with me but paid for that out of my pocket money 😊
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 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.1 -
Forgot to call an NSD for yesterday, so now on 3/15Making 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 £500/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £79.31
Decluttering items 755
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
NSD for me today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7002 -
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.2 -
SeptemberOff to a start =5 days =
10 days =
15 days =
20 days =Target reached =
Target beaten =
September targetsAuntieL 3/12beanielou 5/19BlackCoffeeNoSugar 2/15
cathybird 7/15
craftingmad 15 Crazycatlady2 18 Ef79 GeorgianaCavendish 4/18
IndiJonesi jammy dodger KajiKita 5/15
lianne1984 10 LemonadeBudget LittleMissDetermined 5/19
Makingabobor2 3/15
Money Choices 10
MrsCautious QueenJess 5/17
Rupacomp 3/15
Saver-upper short bird 4/18
stay at home mum Newcomers welcome
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Well done LittleMissDetermined, QueenJess, BlackCoffeeNoSugar, short bird, KajiKita, Makingabobor2 and AuntieL2
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Declaring another NSD early today.2025 decluttering: 3,550🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 309🥉🥈🥇💎🏆
Big kitchen declutter challenge 92/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002
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