Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Joyous January's No-Spend Days Challenge!
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Bought some new trainers yesterday, so the planned NSD went out the window. Aiming to do one today instead. My current pair still have a few miles left in them, so I'm not counting it as a necessity but not feeling too bad about it since I'll start running them in.January NSD 7/12
Debtfree 0/£30001 -
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 -
NSD Tuesday but today isn't as I bought some new jeans....at least they was 25% off but I was buying them anyway as needed1
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Another NSD for me today 😁 I’m determined to meet my target this monthMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Claiming an NSD for today, definitely won't be stepping outside in this chilly weather!
I think this is 4/101 -
NSD #6 today
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Spend day for me on a nail appointment but had polish removed so have finally got out of the cycle of having to go back. A friend's daughter started her own business doing nails and I booked in to support her thinking I'd go once or twice but that was nearly two years ago! It's an expensive treat as my nails grow so quickly so works out three visits every two months at £30 a visit. She is doing well so don't feel guilty not going now but it has been good to always have nice looking nails - they even survived the toils of the allotment.
TVOL
4/102 -
January Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 8/12Balancinglife 7/18basketcase 1/12Baxtersmum 12beanielou 9/19blubella 12BudgetingBelinda 7/15cathybird 7/15Caeraugirl 6/20Couldsavemore 5/15craftingmad 16Crazycatlady2 8/20Doily94 4/16Dorothy707 5/12Flying By 4/10FrugalMum3 1/26GeorgianaCavendish 6/15Hawley Gryphon 10Honeysucklelou2 3/10HotDog2020 4/16ilovetea 8/20KajiKita 4/15keggie 5/12laura lau 7/16leftatthetrafficlights 3/24lianne1984 3/10LittleMissDetermined 8/22Makingabobor2 5/15Money Choices 10MrsCautious 8/20outoftheviciouscircle 6/15PurplePhoenix62 5/10QueenJessRupacomp 3/12Saver-uppershort bird 5/20SpruceDog 12TheScarletPixie 2/20Thevalueofless 5/10try harder 20Newcomers welcome
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Will be another one for me today, I'm excluding budgeted groceries as spends so 5/10Starting Debt Total: £10156.43/£9723.43 Current Total
Total Paid to Date: 4.26%
SPC 17 #040 - £28.93
House Pot £1000.55/£2500
Car Insurance Pot £126.70/£300
Christmas 2024 Pot £96.57
Emergency Fund £25.00/500.001 -
First day back at school after the Xmas break - now only work Wed -Fri.
I was really good and took a flask and my overnight oats with nuts and fruit so a well earned NSD.
Problem last year was that when I was stressed I’d go to the canteen at break for a croissant and a curry at lunch! Not good for the bank balance or my weight….
Think that is 5/12GC 2024 £1445.91/£3000
GC July 24 £0/£250
#16 XMAS 2024 £300:£366
Surveys £32.051
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