November
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Nifty November's No-Spend Days Challenge!
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Not one today: hairdressers...‘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 -
I am a little bit behind in reporting, apologies! I have 1 for Sunday, 1 for Monday and 1 for today, so my new total is 5/15! Thank you!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 -
Not sure what day I got to but I've not spent since Saturday takeaway1
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Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =November targetsAuntieL 6/15beanielou 7/19BlackCoffeeNoSugar 5/15cathybird 6/15Crazycatlady2 7/18Cuddlymarm 4/15Doris17 4/15GeorgianaCavendish 5/15jammy dodger 15KajiKita 7/15laura lau 5/15leftatthetrafficlights 5/20lianne1984 2/10LittleMissDetermined 4/10Makingabobor2 3/15QueenJess 3/15Rupacomp 3/15Saver-upper 3/15short bird 6/18Newcomers welcome
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One against the odds 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 -
NSD #6 for me todayDebt-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/£7001 -
NSD today. Quietly ticking along 😊
KKAs 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.1 -
Well done laura lau, Crazycatlady2, beanie, AuntieL and KajiKita2
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Today was NSD #3, 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 -
Good morning everybody
Ive jut popped in to say Hi and sorry i just cant join in the challenge this month I'm busy prepping for moving house next week and more to sort than i thought
giving me a great excuse for a grand chuck out ( my kids will thank me when I'm gone)
take care see you all soon lots of love JD xx2
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