December
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Dazzling December's No-Spend Days Challenge!
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Gah! Not an NSD today. Should have been but there was a leaving collection today that I wanted to contribute to and it was an online one so I couldn’t use my cash pocket money, had to use my card. Grump.
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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 5/12
beanielou 10/19
cathybird 11/15
changingmyways23 5/10
Crazycatlady2 6/15
Cuddlymarm 5/15
ErinBB 10GeorgianaCavendish 8/18KajiKita 9/15LadyWithAPlan 2/13laura lau 6/15leftatthetrafficlights 7/15LittleMissDetermined 9/15Makingabobor2 8/15QueenJess 2/15Rupacomp 5/10Saver-upper 3/15short bird 8/18Newcomers welcome
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Well done cuddlymarm, LittleMissDetermined, laura lau and AuntieL 1
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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.1 -
It's a NSD for me today please
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 £25710 -
I think yesterday counts as an NSD for me?
I paid for my weekly Pilates class, which is budgeted-for, reoccurring spend, but nothing else.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 -
NSD #8 today please .... slow going this month!
Stupid house needing so many things fixed!
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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 -
Definitely sounds like an NSD to me!changingmyways23 said:I think yesterday counts as an NSD for me?
I paid for my weekly Pilates class, which is budgeted-for, reoccurring spend, but nothing else.0
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