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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Well done 😊laura_lau said:Today was another NSD, despite me having to go to the office! I’m quite pleased: I brought lunch from home, I remembered to bring my water bottle so I filled it at the kitchen tap, and I made myself a ginger tea in the morning, using the teabags I bought a while ago and keep in the office drawers. I resisted the urge to buy expensive coffee, snacks, chocolate, lunch, other caffeinated drinks in the afternoon. I travelled by bus yet again, instead of train, so I didn’t spend anything apart from the £3.50 return trip with the bus, cheapest option available! Tomorrow I have to go again, and I am planning to do the same, lunch is readily packed in the fridge. I will report tomorrow evening, though, just in case!
After a while, these kind of actions become your ‘new normal’ 😊
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.2 -
NSD for yesterday (Tuesday).MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
It's one for me today
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 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £31071 -
Number 13 for me today.
I was really pleased yesterday when I went to buy some make up and found a £10 off voucher in the shopping basket. Got £12 off for 3 for 2 and £4 Boots points. A lovely sales lady did my make up for me! I had a job interview.Going away until Sunday night later. Really not sure how many NSDs I’ll be able to manage as I know it involves a lot of eating out. Will be taking it in turns with my partner to pay.1 -
Early call for day 10.‘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.0 -
May NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
May targetsAuntieL 7/15
bamboo socks 2/20beanielou 12/19
blubella 5/12
Caeraugirl 8/20
cathybird 11/15
Crazycatlady2 7/18
Daywon 11/TF
Doris17 5/15
Flying By 7/14
Geriatricmum 5/15
HotDog2020 4/15ilovetea 11/20
KajiKita 12/18
keggie 1/20laura lau 7/17laurenh 10/20
leftatthetrafficlights 9/24
LittleMissDetermined 11/18
madlyn 12Makingabobor2 6/15
Money ChoicesMrs Cautious 13/23
Rupacomp 8/15
Saver-upper 4/15
SecondStar 18short bird 10/16
Tiangfeng2022 4/10
Worlds Worst Superhero 14/25
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One for me today 5/15
"Make Everyday Count"1 -
Ah, okay, that is stretching the bounds of ‘necessity’ somewhat 😉cathybird said:
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 -
Another one today, as although I did spend a bit, it was all groceries and from the budget.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £800/£3000
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Studies/surveys October £54.35
Decluttering items 1358/2025
Books read 19
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1
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