Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Dazzling December's No-Spend Days Challenge!
Comments
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Well done leftatthetrafficlights, KajiKita, laura lau, LittleMissDetermined, short bird, GeorgianaCavendish, Makingabobor2 and beanie
1 -
Very early declaration for the last NSD of 2023 from me.Happy new year and see you on the January thread
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 #017EF £1000/£1000 | Sabbatical £3677/£60002 -
Declaring an early NSD for me today, taking me up to 10/12MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
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 -
Yay...I've beaten my target. 16/15Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £850/£3000
.
Studies/surveys November £0
Decluttering items 1382/2025
Books read 20
Jigsaws done 18
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
DecemberOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 10/12
beanielou 23/19
cathybird 23/15
changingmyways23 5/10
Crazycatlady2 13/15
Cuddlymarm 9/15
ErinBB 10GeorgianaCavendish 18/18
KajiKita 20/15
LadyWithAPlan 2/13laura lau 17/15
leftatthetrafficlights 23/15
LittleMissDetermined 19/15
Makingabobor2 16/15
QueenJess 2/15
Rupacomp 5/10
Saver-upper 4/15
short bird 20/18
Newcomers welcome
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Not today. Bought my veg seed gaps for the season after declaring yesterday.
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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 -
Day 20 as a certain purveyor of gluten free cakes and coffee was understaffed (which was annoying) along with a noodle bar having too small a kitchen to risk feeding me (not so annoying, they won't risk it).‘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 -
Well done LittleMissDetermined, AuntieL, beanielou, Makingabobor2 and short bird 1
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Today is an NSD - we have my outlaws coming over for lunch so that will take all day 😉
I think that makes 20 days for me this month - I am honestly amazed…. 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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
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