Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 1/18
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Outstanding October's No-Spend Days Challenge!
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One 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
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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-up0 -
NSD for me today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7000 -
Thank you @beanielou and @cathybird! The cat is OK, I just had to pay for a spacer for his inhaler.I am going to claim one NSD which is a combo of yesterday and today. Yesterday's was only the essential spend - today's were less essential but cash only and much more controlled than usual. So I am giving myself this one
Novuna personal finance 0% 4-year £518/£1866Credit card debt free! Now on the journey to mortgage free.1 -
NSD today. This week has been a confusing blur and it’s only Tuesday! 😳😂
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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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.0 -
Time has been slipping away-sorry I don't get here as often as I like to report.
Since I was last here, I have had 2 more NSDs (Sunday and today). Total of 7 for the month.SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.500 -
OctoberOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 6/12
beanielou 16/19
BlackCoffeeNoSugar 10/15
cathybird 13/12
Crazycatlady2 14/18
Cuddlymarm 12/15
Doris17 9/15
GeorgianaCavendish 14/17
jammy dodger 13/15
KajiKita 11/15
laura lau 11/10
lianne1984 4/10
LittleMissDetermined 15/20
Makingabobor2 8/15
Pinkpenguin 15Rupacomp 4/9
Saver-upper 7/15
short bird 11/15
strandedinaber 4/10
Newcomers welcome
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Claiming today as a NSD… nowhere to be and nothing I need 😊Life 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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711
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Not sure on today yet.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 -
NSD #14 today please
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Definitely not one today: Friday's flight got cancelled but luckily I have the flexibility to go a day earlier. Now to pack...‘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
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