December
Dazzling December's No-Spend Days Challenge!
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One unexpected NSD for me today!My debt free journey starts on 30/08/2023:
CC1 - 5,151.92 now 5,110.89
CC2 - 4,625.87 now 4,710.77
CC3 - 4,166.15 now 4,447.66
Current outstanding total: 14,269.32
Aiming to be debt free by Dec 2026.
May 2024 No-Spend Day Challenge - 7/17
NST May 2024 -
#21 1p savings challenge 2024 £188.11/£671.611 -
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 me2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017Sealed pot 2024 £3025.36 | EF £1000/£1000 | Sabbatical £1075/£3000 | Holiday spends £575 | General Saver £30114.481 -
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.1 -
Adding 2 NSDs, forgot to declare them. I had to go through my week and check as I seemed to have got in a pickle....but its definitely 4/15 nowMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £32,521
Mortgage 05/24 £16700 Officially ends June '26 but plan to be MF sooner
Total OPs 2022 - £240 2023 - £1766
OPs so far in 2024 £660.00
EF #68 £105/£1000
Challenges
1p a Day '24 #12 £95.49/£667. SPC '24 #41 £14.55
Christmas '24 £30
Make £5 a day - May £67.14/£155
NSDs May 6/15
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-down-the-savings-up1 -
Not one on Sunday (bought a novel at the airport) but Monday, Tuesday and today are all NSDs 😊
KKAs at 15.04.24:
- When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £253,994, end date brought closer by 2 months
- OPs to mortgage = £5,965, Interest saved £2,124, to date
- LTV 51% @ccord, 51% Yopa
Fixed rate 2.17% ends October 2024
Read 18 books of target 52 in 2024 (as @ 10th May)
Produce tracker: £25.45 of £300
Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality.1 -
Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =December targetsAuntieL 2/12beanielou 5/19cathybird 5/15changingmyways23 1/10Crazycatlady2 15Cuddlymarm 1/15Doris17ErinBB 10GeorgianaCavendish 3/18KajiKita 4/15LadyWithAPlan 2/13laura lau 3/15leftatthetrafficlights 4/15LittleMissDetermined 5/15Makingabobor2 4/15QueenJess 2/15Rupacomp 3/10Saver-upper 15short bird 5/18Newcomers welcome
In April I am taking a break from buying: Books
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Another nsd todaySavings goal by 31/12/24: £22000
Dec 23: £6945.231 -
Well done laura lau, LittleMissDetermined, beanie, Makingabobor2, KajiKita and RupacompIn April I am taking a break from buying: Books
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It's another one for me today, early call I know but I'm busy all day working and then not going out
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017Sealed pot 2024 £3025.36 | EF £1000/£1000 | Sabbatical £1075/£3000 | Holiday spends £575 | General Saver £30114.481 -
Early call for day 5. As usual, extremely busy in December and very quiet during January so future me will be very happy with no spend days this month and, of course, not going crazy on the days when I do spend.Cancel the kitchen scraps for lepers and orphans, no more merciful beheadings, and call off Christmas.2
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