Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Joyous January's No-Spend Days Challenge!
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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 -
NSD #11 today please
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NSD for me today!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 43.5/661 -
NSD today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
January Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
January targetsAuntieL 11/12
Balancinglife 10/18
basketcase 1/12
Baxtersmum 12beanielou 17/19
bloomfelt 3/10
blubella 12BudgetingBelinda 10/15
cathybird 13/15
Caeraugirl 11/20
Couldsavemore 11/15
craftingmad 16Crazycatlady2 16/20
Doily94 4/16
Dorothy707 6/12
Flying By 8/10
FrugalMum3 1/26
GeorgianaCavendish 11/15
Hawley Gryphon 4/10
Honeysucklelou2 3/10
HotDog2020 8/16
ilovetea 16/20
KajiKita 11/15
keggie 10/12
laura lau 12/16
leftatthetrafficlights 13/24
lianne1984 6/10
LittleMissDetermined 14/22
Makingabobor2 8/15
Money Choices 7/10
MrsCautious 17/20
outoftheviciouscircle 11/15
PurplePhoenix62 10/10
QueenJessRupacomp 4/12
Saver-upperSecondStar 16/TF
short bird 13/20
SpruceDog 12TheScarletPixie 2/20
Thevalueofless 10/10
try harder 20Newcomers welcome
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I have spent today. Had hair washed and blow dried. £8. Feel a lot better for it.
ilovetea xxMake £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/201 -
Day 13 today: had plans to go to the High Street but postponed them.‘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 -
Almost got one today and let myself down by buying a bar of chocolate......must try harderMaking 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-up1 -
NSD number 17 today x1
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I am not doing so well, I keep feeling like I need more then the basics food wise, I just can't stick to healthy eating however much I try and I am on wegovy, I don't think it is working for me like they say it should, I keep buying junk food, I really enjoy it, I hate healthy food, I am always left feeling unsatisfied (with healthy food), does anyone else feel like that?2
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