December
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Dazzling December's No-Spend Days Challenge!
Comments
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one 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 -
Declaring an NSD for yesterday, puts me on 6/15 nowMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1570/£3000
.
Studies/surveys April.....£54.22
Decluttering items 1402/2025. 186/2026
Books read 23 in 2025. 2026- 10 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 3/12beanielou 9/19
cathybird 9/15
changingmyways23 2/10Crazycatlady2 15Cuddlymarm 3/15Doris17ErinBB 10GeorgianaCavendish 3/18KajiKita 7/15LadyWithAPlan 2/13laura lau 5/15leftatthetrafficlights 7/15LittleMissDetermined 7/15Makingabobor2 6/15QueenJess 2/15Rupacomp 5/10Saver-upper 3/15short bird 7/18Newcomers welcome
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Not one for me, bought a small amount of Christmas stuff and some bird food!0
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Well done LittleMissDetermined, beanie, Rupacomp, laura lau and Makingabobor2 0
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One NSD for me yesterday please!Paying down my debt
Aug '24: Debt-free!
Jul '24: £772.75
Jun '24: £1441.03
Apr '24: £2,313.27
Mar '24: £3,132.45
Feb '24: £3,632.45
Jan '24: £4,082.45
Dec '23: £4447.55
Read my debt-free diary1 -
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 -
Hi guys
Today is going to be a NSD making my total 3 so far.
On the up side my freezer is full, the presents all bought so only my big Xmas shop ( mainly wine, mince pies etc) to arrive on the 19th. So it will just be bits and bobs now so not much but just enough to spoil a NSD.
But never mind it is December
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001 -
Not today, been buying Mr KK presents 😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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 -
Early call for day 7.‘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
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