Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Fabulous February's No-Spend Day Challenge!
Comments
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None over the weekend - too much happening.One today for Monday 😊
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,270 Interest saved £5,816 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 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.2 -
11th NSD today‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’Frugal living in 2024.
Frugal living in 2025.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
Nationwide 1 year 6.5% Savings - £800 / £2,2001 -
NSD for me today after a spendy weekendMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,980.28
2024 Overpayment = £675.66
2025 Overpayment = £622/£7001 -
NSD 4 today! Even got a lift home from work so saved my £2 bus fare. Little wins.3
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2 more NSD’s for me..
Taking me up to 7/15.
@cathybird… estimate is coming in at 1300. No wonder I can’t get out of deb!!# 36 1p challenge 2024 - £536.60
#13 POYD by Christmas 24 £2875 / 81381 -
Number 8 for me today finally 😂
I am now officially working away so if I do have time to grab a sandwich (currently on a late running train and still a change to do) I can use my company credit card so no spending for me 😊 Good luck everyone 👍Aim to pay off £13,000 by December 2024
£1,208.22/£23,059 #26 Pay All Your Debt Off By Christmas 2024
2024 £1 a day savings challenge - £98.43 2024 52 week challenge - £120.37
22/20 February No Spend Days 20 Target 20/23 March No Spend Days 23 Target 7/22 April No Spend Days 22 Target (excludes direct debits, standing orders, debt and savings payments)1 -
Another NSD for me today.
11/20 now. Going out tomorrow so might have a spend on sellotape. So exciting :-)
ilovetea. xxMake £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/202 -
short_bird said:Day 8 today: forgot it is half term so I will be really early to work...0
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FebruaryOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =February targetsAuntieL 8/18Balancinglife 6/18beanielou 9/19bloomfelt 8/18blubella 3/12BudgetingBelinda 3/15cathybird 6/15Caeraugirl 8/20Captspar 4/15Couldsavemore 7/15Crazycatlady2 9/18Flying By 4/14GeorgianaCavendish 7/16Geriatricmum 4/10Honeysucklelou2 10HotDog2020 2/14ilovetea 11/20JustALass 7/12KajiKita 6/18keggie 7/15laura lau 6/18leftatthetrafficlights 24lianne1984 10LittleMissDetermined 8/15Makingabobor2 3/15Money ChoicesMrs Cautious 6/20MrsSave 5/10Nervous1234 8/20OnlyJealousOfBirds 3/15PurplePhoenix62 10QueenJessRupacomp 5/12Saver-upperSecondStar 11/26short bird 9/18Thevalueofless 3/20Worlds Worst Superhero 9/TF
Newcomers welcome!
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Couldsavemore said:2 more NSD’s for me..
Taking me up to 7/15.
@cathybird… estimate is coming in at 1300. No wonder I can’t get out of deb!!@Couldsavemore ouch - sorry to hear it - cars are expensive, there's no two ways around it0
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