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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Managed one final NSD for November. Didn’t quite reach my target but hopefully will manage next month.MFW 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 -
NovemberOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 13/15
beanielou 25/19
BlackCoffeeNoSugar 18/15
cathybird 22/15
Crazycatlady2 18/18
Cuddlymarm 14/15
Doris17 12/15
GeorgianaCavendish 18/15
jammy dodger 15KajiKita 23/15
laura lau 16/15
leftatthetrafficlights 21/20
lianne1984 2/10
LittleMissDetermined 13/10
Makingabobor2 12/15
QueenJess 16/15
Rupacomp 12/15
Saver-upper 15/15
short bird 16/18
Newcomers welcome
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Well done Saver-upper, LittleMissDetermined, cuddlymarm, GeorgianaCavendish, Makingabobor2, KajiKita and AuntieL 2
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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.2 -
NSD for me today!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 43.5/661 -
Thank you @cathybird - that's so sweet of you! Same to you, and everyone on these threadscathybird said:
@[Deleted User] Hope all goes well and since you won't be here in December I'll wish you a Merry Christmas and happy new year now[Deleted User] said:cathybird said:
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
I'm going to be all over the place in December and January - so I'll bow out for a bit 'officially' on the thread - I'll still try to keep track of my days myself, and will pop back when I've got a bit of breathing space to rejoin 
Finishing the month strong with a final NSD for me - think that's number 18 Will see you all next year! 1 -
Not 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 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 -
Not one for me today, I got in some supplies. 1
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Well done laura lau and BlackCoffeeNoSugar That's it for November I guess - see you all on the December thread xx
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Hi, one more yesterday for a finishing total of 16!‘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
![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
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