Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Outstanding October's No-Spend Days Challenge!
Comments
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NSD #18 today please
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An unexpected 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 #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25710 -
Another NSD for me today. Slowly getting there 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7000 -
Another one for me today. Making my total 15 which is my target 😀 so any more are a bonus
August PAD £4900 -
NSD here 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 46 books of target 52 in 2025, as @ 28th August
Produce tracker: £353 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 -
OctoberOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 9/12
beanielou 20/19
BlackCoffeeNoSugar 12/15
cathybird 13/12
Crazycatlady2 17/18
Cuddlymarm 16/15
Doris17 10/15
GeorgianaCavendish 18/17
jammy dodger 16/15
KajiKita 16/15
laura lau 12/10
lianne1984 4/10
LittleMissDetermined 19/20
Makingabobor2 9/15
Pinkpenguin 15Rupacomp 5/9
Saver-upper 8/15
short bird 11/15
strandedinaber 5/10
Newcomers welcome
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I hope everyone is keeping well, and not suffering too much with the weather we have been having lately.
Today was , finally, another NSD. Only the 8th for the month! It's been a "bitty spend" month this month- most days there seems to be a silly little thing I need to buy/ something a child needs bought for them/ money given to them for something.........SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.501 -
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 #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
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.1 -
Another one for mr today.
I’m still healing from my op and feeling tired and uncomfortable ( with instructions to listen to my body from my doctor) so I’ve had a shower, done a couple of necessary jobs, had lunch and now I’m off to put my feet up. It’s visit gorgeous granddaughter day tomorrow so I’ll need energy, she’s tiring but still better medicine than any pill 😀
August PAD £4901
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