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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Back to being an NSD for me today. Still hoping to make my targetMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7002 -
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FebruaryOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =February targetsAuntieL 13/18Balancinglife 10/18beanielou 16/19bloomfelt 13/18blubella 3/12BudgetingBelinda 3/15cathybird 14/15Caeraugirl 15/20Captspar 4/15Couldsavemore 12/15Crazycatlady2 16/18Flying By 9/14GeorgianaCavendish 8/16Geriatricmum 8/10Honeysucklelou2 10HotDog2020 7/14ilovetea 17/20JustALass 7/12KajiKita 13/18keggie 14/15laura lau 14/18leftatthetrafficlights 24lianne1984 10LittleMissDetermined 12/15Makingabobor2 8/15Money Choices 6/10Mrs Cautious 14/20MrsSave 5/10Nervous1234 16/20OnlyJealousOfBirds 6/15PurplePhoenix62 10QueenJessRupacomp 10/12Saver-upperSecondStar 17/26short bird 14/18Thevalueofless 7/20Worlds Worst Superhero 16/TF
Newcomers welcome!
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Couldsavemore said:Been a while, but I’ve been good with my spending
I’ve had 5 more NSD’s.
I got my car back, it ended up costing 1450, which has wiped out my savings but at least I had the cash to cover it.0 -
one more NSD today for meDebt 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 -
Day 16 for me today 😊 travelling for work again but was very organised and took my breakfast and lunch plus my snacks ☺️ and travel costs paid for by workAim 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 -
Not for me today staying on 7 - I couldn't resist the call of the chippy! They were the best I have had this year, so at least it wasn't wasted totally. Also I used up the rest of the Spending pot so only had to add £10 from another kitty - I expect some people on here pay £10 for their Fish and Chips I pay £13.40 for two cans of coke and cod and chips. I have been told by family and friends to help me to lose weight to at least drop the coke, I may drop one next time and have it a bit cheaper, but I always want two.2
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Evening, all: day 14 of 18.‘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 -
NSD #8 today.
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 -
Two more NSDs for Tuesday and Wednesday 😊
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
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