Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Magnificent May's No-Spend Days Challenge!
Comments
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NSD for me todayMFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £92,396.89 (10years 4months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £44.43/ £10001 -
One yesterday and today 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 4 books of target 52 in 2026 as @ 11th January
Produce tracker: £18 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Had an NSD today and I think I forgot to declare one on SundaySavings goal by 31/12/24: £22000
Dec 23: £6945.231 -
Hi. Pleased to say I've chalked up another 3 NSDs over the past week. Considering taking an app off phone - too handy.
+3 NSDs. Thank you.
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0
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May NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
May targetsAuntieL 12/15
bamboo socks 2/20beanielou 26/19
blubella 5/12
Caeraugirl 12/20
cathybird 23/15
Crazycatlady2 18/18
Daywon 14/TF
Doris17 5/15
Flying By 7/14
Geriatricmum 6/15
HotDog2020 13/15
ilovetea 20/20
KajiKita 22/18
keggie 1/20laura lau 13/17laurenh 20/20
leftatthetrafficlights 25/24
LittleMissDetermined 20/18
madlyn 12Makingabobor2 10/15
Money ChoicesMrs Cautious 24/23
Rupacomp 14/15
Saver-upper 4/15
SecondStar 18short bird 19/16
Tiangfeng2022 6/10
Worlds Worst Superhero 25/25
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Well done laurenh1, LittleMissDetermined, MrsCautious, beanie, Crazycatlady2, Makingabobor2, short bird, AuntieL, KajiKita, Rupacomp and Daywon
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Declaring early - 25/24 for me please 😁'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £510/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £510/£6700
'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 -
Not sure on today yet.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 -
I'm curious now!laurenh1 said:An early call for a NSD today.
My husband is going to collect some new bees 🐝 this afternoon which his mum has kindly said she would pay for.
Have a lovely day everyone x
How much does a bee cost?
Do you buy them individually, and if so, who counts them?
Is it like a rescue centre, where all the little bees have little cards with their back story and give you the adorable puppy-eyes to tug at your heart-strings?
Is there a sliding scale of quality like there is with fresh fruit or flowers- reduced to clear, budget, stores own label, Taste The Difference?
5
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