December
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Dazzling December's No-Spend Days Challenge!
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I spent today as gas to get a light bulb and takeaway for tea
Going for 20 in January as need or want nothing1 -
NSD today and aim for 15 in January 😊
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 -
Hope you all had a lovely Christmas! 🎄🎄🎄
I am adding another 3 NSDs bringing me to NSD #15 (for 23, 25 and 26 December).Can I go for 15 NSD in January please?1 -
Hope everyone had a great Xmas.
One for me today please making my total 8/15
January I’m taking the month off please Cathybird as we go in holiday for two weeks of it. The month will be a using up and making do month but the rest of it depends on whether we can squeeze into our holiday clothes, need sun cream etc.
August PAD2 -
Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =December targetsAuntieL 7/12beanielou 18/19cathybird 20/15changingmyways23 5/10Crazycatlady2 13/15Cuddlymarm 8/15ErinBB 10GeorgianaCavendish 15/18KajiKita 16/15LadyWithAPlan 2/13laura lau 15/15leftatthetrafficlights 20/15LittleMissDetermined 16/15Makingabobor2 12/15QueenJess 2/15Rupacomp 5/10Saver-upper 4/15short bird 16/18Newcomers welcome
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Yes there's a shiny new month just round the corner, any thoughts on targets? ...January targetsAuntieL
basketcase 12
beanielou 19
cathybird 15
Crazycatlady2 20
Cuddlymarm
ErinBB
GeorgianaCavendish 15
KajiKita 15
LadyWithAPlan
laura lau
leftatthetrafficlights 24
LittleMissDetermined
Makingabobor2
QueenJess
Rupacomp
Saver-upper
short bird 20Newcomers welcome
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Another NSD today.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
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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 -
Well done Crazycatlady2, short bird, KajiKita, GeorgianaCavendish, cuddlymarm and Makingabobor21
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I'm in for January 😁 I'm also doing the 24 in 24 challenge so yep, you've guessed it - a target of 24 for me please!! 😁😂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 -
Adding 4 NSD from Saturday to yesterday + 1 early call for today as I'm working from home and not planning to go anywhere. Lots of leftover to eat for lunch and dinner, so no expense needed for sure!Debt 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 43.5/662
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