December
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Dazzling December's No-Spend Days Challenge!
Comments
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Well done leftatthetrafficlights, beanie, Makingabobor2, laura lau, short bird, GeorgianaCavendish and KajiKita
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NSD #11 today please
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NSD 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.0 -
Not one for me, I had a list of household supplies I had to get, and bought them today, plus a book or two. 1
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 6/12
beanielou 14/19
cathybird 15/15
changingmyways23 5/10
Crazycatlady2 10/15
Cuddlymarm 6/15
ErinBB 10GeorgianaCavendish 11/18KajiKita 12/15LadyWithAPlan 2/13laura lau 9/15
leftatthetrafficlights 15/15
LittleMissDetermined 12/15
Makingabobor2 9/15
QueenJess 2/15
Rupacomp 5/10
Saver-upper 3/15
short bird 11/18
Newcomers welcome
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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.2 -
Well done GeorgianaCavendish, KajiKita and beanie 1
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Just popping on to share my financial win! When I was paid today, it’s the first time since I started working (in 1998) that I did not have an overdraft to pay off 😁 Our lovely thread here definitely helped me to achieve this. Thank you all!Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7005 -
I’ve one more to add that I forgot to post.ThanksLife 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
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No more to add for me as did Christmas shopping last 2 days... No plans for spending today yet though1
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