Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 1/18
We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Nifty November's No-Spend Days Challenge!
Options
Comments
-
Managed one final NSD for November. Didn’t quite reach my target but hopefully will manage next month.MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
NovemberOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =November targetsAuntieL 13/15beanielou 25/19BlackCoffeeNoSugar 18/15cathybird 22/15Crazycatlady2 18/18Cuddlymarm 14/15Doris17 12/15GeorgianaCavendish 18/15jammy dodger 15KajiKita 23/15laura lau 16/15leftatthetrafficlights 21/20lianne1984 2/10LittleMissDetermined 13/10Makingabobor2 12/15QueenJess 16/15Rupacomp 12/15Saver-upper 15/15short bird 16/18Newcomers welcome
0 -
Well done Saver-upper, LittleMissDetermined, cuddlymarm, GeorgianaCavendish, Makingabobor2, KajiKita and AuntieL2
-
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 -
cathybird said:[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 18Will see you all next year!
1 -
Not one 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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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
-
Well done laura lau and BlackCoffeeNoSugar
That's it for November I guess - see you all on the December thread xx
1 -
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
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards