Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Dazzling December's No-Spend Days Challenge!
Comments
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Well done LittleMissDetermined, changingmyways23, GeorgianaCavendish and KajiKita
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Up to 13 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'2 -
Not 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 46 books of target 52 in 2025, as @ 28th 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 -
It’s one 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 £25711 -
Not one today as spent £4.25 in charity shop on a top & a vase. Oops, will try better next timeMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,524....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £590/£3000
.
Studies/surveys August £32.11
Decluttering items 936
Books read 16
Jigsaws done 10
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
NSD for me today.MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
One today against the odds.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 -
DecemberOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 6/12
beanielou 11/19
cathybird 12/15
changingmyways23 5/10
Crazycatlady2 6/15
Cuddlymarm 5/15
ErinBB 10GeorgianaCavendish 8/18KajiKita 9/15LadyWithAPlan 2/13laura lau 6/15
leftatthetrafficlights 13/15
LittleMissDetermined 10/15
Makingabobor2 8/15
QueenJess 2/15
Rupacomp 5/10
Saver-upper 3/15
short bird 8/18
Newcomers welcome
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Well done leftatthetrafficlights, LittleMissDetermined, AuntieL and beanie 2
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Not today - Mr KK sent me to the garden centre with £50 to buy things for myself, as he was in despair at finding me anything to go under the tree 😂 and I spent that and then was tempted by a really unusual Amaryllis 😊😉
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 46 books of target 52 in 2025, as @ 28th 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
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