November
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Nifty November's No-Spend Days Challenge!
Comments
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One today 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 1 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 6/15beanielou 13/19BlackCoffeeNoSugar 7/15
cathybird 9/15Crazycatlady2 9/18Cuddlymarm 7/15Doris17 4/15GeorgianaCavendish 8/15jammy dodger 15KajiKita 10/15laura lau 5/15leftatthetrafficlights 9/20lianne1984 2/10LittleMissDetermined 4/10Makingabobor2 5/15QueenJess 9/15Rupacomp 5/15Saver-upper 5/15short bird 8/18Newcomers welcome
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Adding another 3 NSDs please for 10th, 11th and 12th November bringing me to 8 NSDs in total1
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Today was NSD #5, thank you cathybird.SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.501 -
Well done leftatthetrafficlights, beanie, cuddlymarm, KajiKita, GeorgianaCavendish and Saver-upper 1
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One today 🙂Savings goal by 31/12/24: £22000
Dec 23: £6945.230 -
Been a while, but life just got unexpectedly busy. Declaring 6 NSD’s; Wed, Thurs, Fri, Sat, Sun and today!2026 decluttering: 22026 use up challenge: 12026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 I 🥉25 🥈50 🥇100 💎 1500
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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.0 -
2 more to add, up to5/15 now
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,644....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF #68 £1000/£3000
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Studies/surveys December £86.68
Decluttering items 1402/2025
Books read 23
Jigsaws done 20
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up0 -
One for me today please. That makes my total 7 so far.
Pay off by Xmas 2026 £90/£2324.67
January NSDs 1/15
January PADs £2700
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