Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Nifty November's No-Spend Days Challenge!
Comments
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@GeorgianaCavendish and @[Deleted User] thank you for mentioning the knitting emoji - I like it because it looks cosy and it's good to think about cosy things in cold rainy November!0
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NSD #2 for me todayMFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10000 -
One for me today 😊
And absolutely don’t worry @cathybird, I’m impressed you are managing this tracking at all! 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 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 -
NovemberOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 2/15beanielou 3/19BlackCoffeeNoSugar 2/15 cathybird 3/15Crazycatlady2 3/18Cuddlymarm 3/15Doris17 1/15GeorgianaCavendish 3/15jammy dodger 15KajiKita 3/15laura lau 2/15leftatthetrafficlights 3/20lianne1984 10LittleMissDetermined 2/10Makingabobor2 15QueenJess 2/15Rupacomp 1/15Saver-upper 1/15short bird 3/18Newcomers welcome
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Well done beanie, laura lau, LittleMissDetermined, Crazycatlady2, BlackCoffeeNoSugar, short bird, GeorgianaCavendish, AuntieL and KajiKita! 1
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Today was NSD #1,woohoo! Feels like forever since I've had one!SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.502 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Day 3 on Friday.‘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.1 -
Hi guys
I forgot to post yesterday but I for yesterday but none for today as it’s big shop day.
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001 -
Not going out today so it will be 3/20 for me 😁'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £1471.53/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £1471.53/£6700
'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
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