Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Nifty November's No-Spend Days Challenge!
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Declaring a NSD for today.
2025 decluttering: 3,896🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 333🥉🥈🥇💎🏆
Big kitchen declutter challenge 107/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
NSD Sunday and Monday1
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Think I may have missed declaring one, but I am now on 8/15Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
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Studies/surveys August £7.48
Decluttering items 771
Books read 14
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Back to being a NSD for me today. Finally double figures for this month 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Day 12 for me1
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NSD today 😊
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 -
NovemberOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =November targetsAuntieL 10/15beanielou 17/19BlackCoffeeNoSugar 12/15cathybird 15/15Crazycatlady2 14/18Cuddlymarm 9/15Doris17 7/15GeorgianaCavendish 17/15jammy dodger 15KajiKita 16/15laura lau 10/15leftatthetrafficlights 13/20lianne1984 2/10LittleMissDetermined 6/10Makingabobor2 8/15QueenJess 12/15Rupacomp 8/15Saver-upper 9/15short bird 11/18Newcomers welcome
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One to report from yesterdaySavings goal by 31/12/24: £22000
Dec 23: £6945.231 -
Not one for me, I paid a couple of bills and got in some supplies.1
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Well done LittleMissDetermined, short bird, QueenJess, Crazycatlady2, Makingabobor2, AuntieL, BlackCoffeeNoSugar, KajiKita and Rupacomp2
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