Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Magnificent May's No-Spend Days Challenge!
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NSD for me todayMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
One yesterday and today 😊
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 = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 36 books of target 52 in 2025, as @ 19th July
Produce tracker: £223 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 -
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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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 😁DNF: £708.92/£1000
JSF: £708.58/£1000
Winter season grocery budget: £600.85/£900
Weight loss challenge 2024: 11/24lbs
1st quarter start:9st 13.1lb
2nd quarter start:9st 9.2 lb
3rd quarter start: 9st 6.8 lb
4th quarter start: 9st 10.2 lb
End weight: 8st 13lb
'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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