Off to a start =
5 days =
10 days =
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Outstanding October's No-Spend Days Challenge!
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As 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.2 -
October
10 days =15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 3/12
beanielou 5/19
BlackCoffeeNoSugar 4/15
cathybird 4/12
Crazycatlady2 4/18
Cuddlymarm 2/15
Doris17 3/15
Ef79GeorgianaCavendish 2/17
jammy dodgerKajiKita 3/15
laura lau 4/10
lianne1984 1/10
LittleMissDetermined 3/20
Makingabobor2Money ChoicesPinkpenguin 15QueenJess 2/15
Rupacomp 9Saver-uppershort bird 3/15
strandedinaber 10Newcomers welcome
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Well done Doris17, LittleMissDetermined, BlackCoffeeNoSugar, laura lau, GeorgianaCavendish, beanie, Crazycatlady2, QueenJess, cuddlymarm and KajiKita 2
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Early call for Day 4 please Although that might be it for the next few days. We’ll see! 2
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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 £25712 -
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 -
one for me today, please.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 -
NSD for me today 3/15.
"Make Everyday Count"2 -
NSD day 3.‘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 -
Another one 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/£7002
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