Off to a start =
5 days =
10 days =
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Outstanding October's No-Spend Days Challenge!
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Another one for me today please 😀
August PAD1 -
Not today - lunch out with a friend at a garden centre and a few pretties might have jumped into the car to come home with me … 🤔😉
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 = £11,816 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.1 -
October
10 days =15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 5/12
beanielou 14/19
BlackCoffeeNoSugar 9/15
cathybird 12/12
Crazycatlady2 10/18
Cuddlymarm 11/15
Doris17 7/15
GeorgianaCavendish 10/17
jammy dodger 8/15
KajiKita 10/15
laura lau 10/10
lianne1984 4/10
LittleMissDetermined 12/20
Makingabobor2 6/15
Money ChoicesPinkpenguin 15QueenJess 4/15
Rupacomp 3/9
Saver-upper 5/15
short bird 8/15
strandedinaber 10Newcomers welcome
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Another NSD for me today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7000 -
Another NSD for me today too 😄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 43.5/660 -
Well done beanie, BlackCoffeeNoSugar, LittleMissDetermined, cuddlymarm, AuntieL and laura lau 1
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Declaring early for an NSD today! 😊
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 = £11,816 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.1 -
Day 9 today 1
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Good good morning guys
It will be another NSD for me today as I’m not planning on going anywhere I can spend money.
It looks absolutely beautiful outside but quite chilly so I’m going to take today slowly doing next weeks menu plan, bit of gentle tidying and make something warming for tea. There’s motorbike racing on most of the day for OH so I’ll have a nap this afternoon or at least a lie down as although my brain is ready to rejoin the real world my body is still very much in recovery mode.
Well done everyone and hugs for those who need one
August PAD3 -
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
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