December
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Dazzling December's No-Spend Days Challenge!
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Congratulations!! 🥳🙌AuntieL said: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!
One more for me yesterday so takes me to 16/15 ...
Went out this morning to get the final bits for solstice so I shouldn't need to buy anything else now until 2024 🤞
I do have an elderly relative arriving later today so I've kept a few quid back just incase I need anything for her.
DNF: £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 -
I was going to say early call for day 12 but it's not that early...‘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 -
Oh that's great news AuntieL, well done xxAuntieL said: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!
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 7/12
beanielou 15/19
cathybird 16/15
changingmyways23 5/10
Crazycatlady2 10/15
Cuddlymarm 6/15
ErinBB 10GeorgianaCavendish 11/18
KajiKita 13/15LadyWithAPlan 2/13laura lau 10/15
leftatthetrafficlights 16/15
LittleMissDetermined 12/15
Makingabobor2 10/15
QueenJess 2/15
Rupacomp 5/10
Saver-upper 3/15
short bird 12/18
Newcomers welcome
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Declaring an NSD for today. 10/15 now. At this rate I might actually go over my target for the first time ever.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
one NSD for me today! 10/15Debt 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 43.5/660 -
Well done.AuntieL said: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!I found my OD really hard to get out of.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 -
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.0 -
NSD today, slowly increasing….
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.0 -
NSD #7 for me today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7000
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