Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Amazing April's No-Spend Days Challenge!
Comments
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Think I’ve managed 3 more no spend days so up to 10/15GC 2024 £1445.91/£3000
GC July 24 £0/£250
#16 XMAS 2024 £300:£366
Surveys £32.051 -
NSD #9 today.MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
NSD Sunday here. Planned to go to the garden centre but ran out of time … 🤷♀️😉
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 -
12/14 please @cathybird I hope your Sunday is better then mine - nothing bad just general feeling of being sorry for myself, I think I am over it now, now just bored!1
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Sunday- another NSD for me.
Just baked loads of biscuits and banana choc-chip cake for next week's packed lunches.
Kitchen now looks like an explosion in a bakery but fortunately my son had already offered to clean up if I would make him some choc-chip cookies.
All the washing and ironing done and put away, nothing urgently needs doing so I'm currently sitting down with a pot of tea and about to start reading a book I've bern waiting for the warmer weather to start reading.
2 -
AprilOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
April targetsAuntieL 9/15
Balancinglifebeanielou 19/19
blubella 6/12
Caeraugirl 9/20
cathybird 17/15
CouldsavemoreCrazycatlady2 15/18
Doris17 12/18
Flying By 3/17FrugalAspirations 10GeorgianaCavendishGeriatricmum 6/10
Honeysucklelou2 2/10
HotDog2020 12/14
ilovetea 17/20
KajiKita 17/18
keggie 10/15
laura lau 10/18
laurenh1 2/TF
leftatthetrafficlights 19/24
LemonadeBudget 12/10
LittleMissDetermined 15/17
madlyn 10Makingabobor2 7/15
Money Choices 5/10
Mrs Cautious 12/18
Nervous1234 7/22
Rupacomp 7/15
SecondStar 15/20
short bird 12/18
Tianfeng2022 5/10
Worlds Worst Superhero 18/25
Newcomers welcome! 0 -
@HotDog2020 Sundays can be a bit like that if there's not much going on. Mine was OK! Hope yours got better xxHotDog2020 said:12/14 please @cathybird I hope your Sunday is better then mine - nothing bad just general feeling of being sorry for myself, I think I am over it now, now just bored! 1 -
Finally have another NSD to add, taking me to 9.#21 Save £12k in 2025 £19277.35/£200001
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Well done LittleMissDetermined, Doris17, beanie, Worlds Worst Superhero, SecondStar, Crazycatlady2, laurenh1, keggie, AuntieL, KajiKita, HotDog2020 and Caeraugirl
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Early call - 19/24 for me please 😁'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
JSF: £0/£2000
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'1
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