Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 1/18
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Marvellous March's No-Spend Days Challenge!
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It's one for me today please!
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
Will probably forget to call one in later as I finish at 21:00. Going to call one in now as I'm all prepped for meals and I'm going to keep my purse locked away!
#4 7/10#4 DFBXMAS24 - £2,322.85/£5,000
NSD Challenge - Jan 15/12, Feb 3/12, Mar 10/10 Apr 10/12, May 5/12.
SPC #44
Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar1 -
It's all gone a bit awry here, with quite a few unnecessarily spendy days, so know I won't make my target for the month.
I'm determined to get back on track for the rest of the month though, and am declaring today a NSD as a step in the right direction#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 4/101 -
Early call for day 15. Am aware that my early is not as early as other folks
‘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.2 -
New 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 -
Not one 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.1 -
NSD here for Thursday 😊
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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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 -
NSD for me todayMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
MarchOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
March targetsAuntieL 13/15
Balancinglife 11/18
beanielou 16/19
blubella 7/10
Caeraugirl 13/25
cathybird 16/15
Couldsavemore 7/16
Crazycatlady2 13/18
Flying By 12/14
GeorgianaCavendish 3/12Geriatricmum 11/10
Honeysucklelou2 10HotDog2020 8/14
ilovetea 15/20
KajiKita 17/18
keggie 11/18
laura lau 10/16
leftatthetrafficlights 17/24
LittleMissDetermined 15/17
madlyn 1/10Makingabobor2 8/15
Money Choices 8/15
Mrs Cautious 17/15
Nervous1234 3/23Rupacomp 3/10
SecondStar 14/25
short bird 15/18
Thevalueofless 20Worlds Worst Superhero 18/25
Newcomers welcome! 0 -
NSD for me today - However I would feel guilty if I took it as a NS day for two reasons, one I took a NS day earlier in the week which then turned into a spend day so today counteract that, but also because my mum is paying me back for all the spending I have done today as a thanks for taking her and staying with her all today at the hospital, however I have spent a lot today all on snacks and drinks. The outcome of the trip looks favourable however we won't know for sure for a couple of weeks (biopsy results). @cathybird thanks and please keep me on 8/14.1
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