Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Fabulous February's No-Spend Day Challenge!
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Hi @cathybird after @KajiKita idea for a spending pot - I want to declare that I have £22.65 free money to last until Friday, this can be used for treats etc, If I go over this then I will count that as a spending day is that okay? That way for minor expenses that are unplanned but keep me ticking over can be used in this pot, anything above and beyond this level is unplanned, and if I have money left from the previous week I could choose to add to spend or add to savings depending on what plans I have for the coming week.
Also I am allowing myself £120 for groceries, spending and petrol and health and beauty and Birthday presents etc. I feel this pot needs to be large as it is because if I set it too small I will always go over - but set like this I can save a bit and try my best to keep within, it will still be a challenge - as realistically I don't save much generally - last year I saved a measly £500!
Therefore I would like to add two NS days to my pot one for today and one historically, as I know I have kept to this plan at least one day previously if not more.
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As 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.2 -
No spend day number 14 for me. Don’t have any money to spend out of my weekly allowance as moved it to put towards paying off the new tumble dryer so can’t spend anything 😂
New weekly allowance starts tomorrow and know I will need to spend on Tuesday to get to work (I don’t claim to travel to my local office) but Wednesday and Thursday I’m travelling further afield so all paid for by work. Friday will also be a spend day as it’s mine and hubbys date night and it’s my turn to pay. Apart from that as long as I take my lunches and snacks to work I don’t have any plans to spend anything else. Happy Sunday everyone and good luck 🤞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)3 -
NSD 11 today. 9 til target, going to give it my best shot x2
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Not today - had to replace fast disappearing makeup.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.2 -
NSD for me today 😎MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
One today, up to 7/15 nowMaking 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 -
2
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FebruaryOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =February targetsAuntieL 12/18Balancinglife 7/18beanielou 13/19bloomfelt 8/18blubella 3/12BudgetingBelinda 3/15cathybird 11/15Caeraugirl 13/20Captspar 4/15Couldsavemore 7/15Crazycatlady2 14/18Flying By 8/14GeorgianaCavendish 8/16Geriatricmum 5/10Honeysucklelou2 10HotDog2020 5/14ilovetea 14/20JustALass 7/12KajiKita 10/18keggie 11/15laura lau 10/18leftatthetrafficlights 24lianne1984 10LittleMissDetermined 10/15Makingabobor2 7/15Money Choices 6/10Mrs Cautious 11/20MrsSave 5/10Nervous1234 14/20OnlyJealousOfBirds 3/15PurplePhoenix62 10QueenJessRupacomp 5/12Saver-upperSecondStar 14/26short bird 11/18Thevalueofless 7/20Worlds Worst Superhero 16/TF
Newcomers welcome!
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NSD for me today, takes me to 8 I think! Thank you @cathybird1
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