Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Outstanding October's No-Spend Days Challenge!
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NSD yesterday but not today (finally caved this evening and bought myself a new fleece - the old one was getting too scruffy for work - had thin and shiny elbows! it can become my new gardening fleece 😊). I did get 70% off and TCB though 😊
KKAs at 15.05.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £235,841
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 32 books of target 52 in 2025, as @ 28th June
Produce tracker: £183 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 -
An unexpected NSD for me today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
OctoberOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 4/12
beanielou 12/19
BlackCoffeeNoSugar 7/15
cathybird 10/12
Crazycatlady2 10/18
Cuddlymarm 9/15
Doris17 7/15
Ef79GeorgianaCavendish 10/17
jammy dodger 6/15
KajiKita 8/15
laura lau 9/10
lianne1984 4/10
LittleMissDetermined 11/20
Makingabobor2 4/15
Money ChoicesPinkpenguin 15QueenJess 4/15
Rupacomp 3/9
Saver-upper 5/15
short bird 8/15
strandedinaber 10Newcomers welcome
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Well done jammy dodger, beanie, LittleMissDetermined, laura lau, GeorgianaCavendish, KajiKita and AuntieL 2
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NSD THURSDAY but not Friday x2
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Good morning guys
One for me please. Today is definitely going to be a NSD for me cos the weather is rotten and I don’t plan on leaving the house.
I spent more than expected yesterday as I found a nice thick jumper dress that will go nicely with leggings and boots. I had a nice one that is had for years but it finally got threadbare. I’ve been combing Vinted for one and checked the charity shops first but I know I’ll get plenty of wear out of it.
Anyway better go
Hugs to all
June NSD 8/152 -
It's a NSD for me today
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 #017Sealed pot 2025 £4931 | EF £669/£1000 | Sabbatical £3026/£3000 | Travel savings £1791 | Sinking pots £19612 -
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 -
one for me today.Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/662 -
Early call for NSD #10 today 2
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