December
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Dazzling December's No-Spend Days Challenge!
Comments
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Another one today...up to 7 nowMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £750/£3000
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Studies/surveys October £36.23
Decluttering items 1347/2025
Books read 19
Jigsaws done 11
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 4/12beanielou 10/19
cathybird 9/15
changingmyways23 4/10Crazycatlady2 15Cuddlymarm 3/15Doris17ErinBB 10GeorgianaCavendish 7/18KajiKita 8/15LadyWithAPlan 2/13laura lau 5/15leftatthetrafficlights 7/15LittleMissDetermined 7/15Makingabobor2 7/15QueenJess 2/15Rupacomp 5/10Saver-upper 3/15short bird 8/18Newcomers welcome
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NSD #4 for me todayDebt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7000 -
Another NSD for me today 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 -
Well done changingmyways23, beanie, cuddlymarm, short bird, Makingabobor2 and AuntieL 1
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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 -
Day 8 today.‘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 -
NSD today 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Another NSD for me today 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 -
Adding another 3 NSDs please bringing me to NSD #71
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