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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NSD #2 for me today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Not one today.
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 2/15.
Quiet day at home for me.# 36 1p challenge 2024 - £536.60
#13 POYD by Christmas 24 £2875 / 81381 -
Not one for me today - fuel, food and a Royal Mail Redirect to pay forStarting 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 -
January Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 2/12Balancinglife 2/18basketcase 1/12Baxtersmum 12beanielou 1/19blubella 12BudgetingBelinda 2/15cathybird 2/15Caeraugirl 1/20Couldsavemore 2/15craftingmad 16Crazycatlady2 20Doily94 2/16FrugalMum3 1/26GeorgianaCavendish 15Honeysucklelou2 1/10HotDog2020 1/16ilovetea 2/20KajiKita 1/15laura lau 16leftatthetrafficlights 2/24LittleMissDetermined 2/22Makingabobor2 1/15Money Choices 10outoftheviciouscircle 2/15PurplePhoenix62 1/10QueenJessRupacomp 12Saver-uppershort bird 1/20TheScarletPixie 2/20Thevalueofless 2/10try harder 20Newcomers welcome
2 -
Day number 2 under the belt for me today.Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%1 -
I’d love to join please.
I’ve been reading the thread and had the last two days as NSD’s. I’d like to have a goal of 15 this month please. Mon- Weds I’m hoping to keep as NSD. I’m excluding bills and grocery challenge. This is to keep me out of the little shops/add to basket habits I have gotton into.Emergency Fund: 1000/2000August Grocery Challenge: 97/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p11 -
hi BudgetingBelinda, welcome to our lovely thread1
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NSD today ☺️
2/180 -
Well done LittleMissDetermined, leftatthetrafficlights, TheScarletPixie, ilovetea, Thevalueofless, Doily94, AuntieL, Couldsavemore, outoftheviciouscircle and Balancinglife2
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