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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Kicking off the year with no 1.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 -
Happy New Year everyone!
Declaring an early NSD for me - positive start to 2024!MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Happy New Year to you all, it's a NSD for me today!
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 #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
Happy new year everyone!! Day number 1 under the belt for me.Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%1 -
First NSD done, but with both sons still home from Uni I already have a list of food items we've run out of that I'll need to pick up from supermarket tomorrow
... #21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 1/101 -
Hi I would like to join NS days for January I would like to aim for 16 as this is my first time on the thread - I will not include large grocery shops or petrol or monthly direct debits as these are all budgeted, only money spent with credit card/ cash as a spending day. I am starting the Year with one NS day. Thanks.2
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Day 1.
Happy New Year to all!‘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 -
Good start for me, with a NSD today.PAYDBC24 #8 ~ £10188.211
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Off to a start with first NSD.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 -
JanuaryOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 1/12Balancinglife 18basketcase 12Baxtersmum 12beanielou 1/19blubella 12cathybird 1/15Caeraugirl 1/20Couldsavemore 15craftingmad 16Crazycatlady2 20Doily94 1/16FrugalMum3 26GeorgianaCavendish 15Honeysucklelou2 10HotDog2020 1/16ilovetea 20KajiKita 1/15laura lau 16leftatthetrafficlights 24LittleMissDetermined 1/22Makingabobor2 1/15Money Choices 10outoftheviciouscircle 1/15PurplePhoenix62 10QueenJessRupacompSaver-uppershort bird 1/20TheScarletPixie 20Thevalueofless 10try harder 20Newcomers welcome
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