Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Marvellous March's No-Spend Days Challenge!
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Early call for a NSD today- that Day 18 so far.
I'm working from home and we're all staying in tonight to eat homemade curry (I''d better start prepping now so I can get it on before my next assignment!) and play some boardgames rather than head out for the evening.
Did a good cupboard audit before breakfast so I can plan next week's meals around what we already have and have written a shopping list for what I need to buy.
I've learned that meal planning (using cheap seasonal fruit and veg, supermarket offers etc) batch cooking and writing shopping lists means my weekly shopping bill is significantly lower than the average family spend.
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Another NSD for me todayMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
NSD Wednesday and fingers crossed for Thursday too 🤣1
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NSD 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 -
Unexpected one for 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 Wednesday here 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
MarchOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
March targetsAuntieL 12/15
Balancinglife 11/18
beanielou 16/19
blubella 6/10
Caeraugirl 12/25
cathybird 15/15
Couldsavemore 7/16
Crazycatlady2 13/18
Flying By 12/14
GeorgianaCavendish 3/12Geriatricmum 11/10
Honeysucklelou2 10HotDog2020 8/14
ilovetea 15/20
KajiKita 16/18
keggie 11/18
laura lau 9/16
leftatthetrafficlights 17/24
LittleMissDetermined 14/17
madlyn 1/10Makingabobor2 8/15
Money Choices 8/15
Mrs Cautious 17/15
Nervous1234 3/23Rupacomp 3/10
SecondStar 14/25
short bird 14/18
Thevalueofless 20Worlds Worst Superhero 18/25
Newcomers welcome! 0 -
Yesterday was a NSD but today I resorted to a school lunch.
11/18GC 2024 £1445.91/£3000
GC July 24 £0/£250
#16 XMAS 2024 £300:£366
Surveys £32.051 -
Another NSD today.
15/20 now .
ilovetea xx
Make £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/201 -
Well done Couldsavemore, blubella, LittleMissDetermined, MrsCautious, Worlds Worst Superhero, AuntieL, Crazycatlady2, laura lau, beanie, KajiKita, keggie and ilovetea
1
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