Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Magnificent May's No-Spend Days Challenge!
Comments
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NSD for me today.MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
May NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
May targetsAuntieL 5/15
bamboo socks 2/20beanielou 10/19
blubella 5/12
Caeraugirl 7/20
cathybird 9/15
Crazycatlady2 5/18
Daywon 7/TF
Doris17 2/15Flying By 6/14
Geriatricmum 5/15
HotDog2020 3/15ilovetea 7/20
KajiKita 8/18
keggie 1/20laura lau 1/17laurenh 8/20
leftatthetrafficlights 9/24
LittleMissDetermined 8/18
madlyn 12Makingabobor2 3/15Money ChoicesMrs Cautious 11/23
Rupacomp 7/15
Saver-upper 4/15
SecondStar 18short bird 7/16
Tiangfeng2022 4/10
Worlds Worst Superhero 10/25
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
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Well done Worlds Worst Superhero, laurenh1, short bird, KajiKita, beanie, MrsCautious and AuntieL
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I have a couple of NSDs to declare since I last posted:
Sun 5th NSD #3 and
Thur 9th NSD #4
SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.501 -
Two for me for yesterday and Wednesday. I bought a toddler swing seat on Saturday for my toddler and on Thursday I bought chocolate.... Lots and lots of chocolate.2
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Number 11 for me today 👍1
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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 -
Thank you for your advice @Cathybird. I’d classed it as a NSD so decided to order a raised bed for my garden on the same day - so definitely not a NSD n the end!cathybird said:
@AuntieL there aren't really any hard and fast rules about donations, and strictly speaking they're not a necessity, but they are helpful and kind, and if it was your only spend all day I think you could probably discount it. xxAuntieL said:Thanks for the suggestion @Worlds_Worst_Superhero. I’m never 100% sure what to count and not to count as an NSD so I tend to count everything other than monthly bills, groceries and petrol as spends 🤷♀️
Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
Another two for me, for yesterday and today.#21 Save £12k in 2025 £19277.35/£200001
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