November
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Nifty November's No-Spend Days Challenge!
Comments
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Not one yesterday (various shopping tasks). But will be today! 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 48 books of target 52 in 2025, as @ 31st August
Produce tracker: £353 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 -
Declaring one early today. Although I seem to be missing from he totals tracker post.Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711
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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 -
An unexpected day 13.‘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 -
Up to 17 nowDNF: £708.92/£1000
JSF: £708.58/£1000
Winter season grocery budget: £600.85/£900
Weight loss challenge 2024: 11/24lbs
1st quarter start:9st 13.1lb
2nd quarter start:9st 9.2 lb
3rd quarter start: 9st 6.8 lb
4th quarter start: 9st 10.2 lb
End weight: 8st 13lb
'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 -
You're quite right, thank you! My bad. Now fixed.Saver-upper said:(PS cathybird: is your post a couple up from this one, meant to be for your other thread. They might be wondering where it is!)
My fault, LittleMissDetermined, I posted the wrong list! I've fixed it now.LittleMissDetermined said:Declaring one early today. Although I seem to be missing from he totals tracker post. 1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 10/15beanielou 19/19BlackCoffeeNoSugar 13/15
cathybird 17/15
Crazycatlady2 14/18Cuddlymarm 9/15Doris17 7/15GeorgianaCavendish 17/15
jammy dodger 15KajiKita 17/15
laura lau 10/15leftatthetrafficlights 17/20lianne1984 2/10LittleMissDetermined 9/10Makingabobor2 8/15QueenJess 13/15Rupacomp 8/15Saver-upper 12/15short bird 13/18Newcomers welcome
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Today was NSD #12, thank you cathybird.SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.500 -
Well done Saver-upper, KajiKita, LittleMissDetermined, beanie, short bird and leftatthetrafficlights 1
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One for me today please. Then it will be spendy until Sunday I'm afraid
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 #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711
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