Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15
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Nifty November's No-Spend Days Challenge!
Comments
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Another nsd for me tdayMFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £93,038.66 (10years 5months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = /£10001 -
NSD for me 😊
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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
21/20 for me today please'Happiness is not a destination but the journey you walk every day'
Jan GC: £0/£100
DNF: £0/£6700
Garden sections: 0/21
DNF: 3/45
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'1 -
It's another one for me today. I will aim for 15 in December, as whilst I have done all my Christmas shopping I do have a few get togethers arranged.
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 #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60001 -
Not one today as I pitched in for a leaving gift for a work colleague who has been made redundant this week
2025 decluttering: 5,658 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 540🥉🥈🥇💎🏆 👑Big kitchen declutter challenge 146/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
NovemberOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 12/15
beanielou 25/19
BlackCoffeeNoSugar 17/15
cathybird 21/15
Crazycatlady2 18/18
Cuddlymarm 12/15
Doris17 12/15
GeorgianaCavendish 17/15
jammy dodger 15KajiKita 22/15
laura lau 15/15
leftatthetrafficlights 21/20
lianne1984 2/10
LittleMissDetermined 12/10
Makingabobor2 11/15
QueenJess 16/15
Rupacomp 12/15
Saver-upper 15/15
short bird 15/18
Newcomers welcome
1 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
December targetsAuntieL 12
beanielou 19
cathybird 15
Crazycatlady2
Cuddlymarm 15
Doris17
GeorgianaCavendish 15
KajiKita 15
LadyWithAPlan 13
laura lau 15
leftatthetrafficlights 15
LittleMissDetermined 15
Makingabobor2 15
QueenJess 15
Rupacomp 10
Saver-upper 15
short bird 18Newcomers welcome
1 -
Well done LittleMissDetermined, beanie, Rupacomp, AuntieL, KajiKita and leftatthetrafficlights 2
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Today (Tuesday) was NSD #15, reaching my target for November. Thank you cathybirdSPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.502 -
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
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