Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15
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Jubilant June's No-Spend Days Challenge!
Comments
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It's another one for me today please
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 #017EF £1000/£1000 | Sabbatical £4055/£60001 -
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 -
One today please
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I am afraid I am caving to take out again for the month, 2nd time this month, I have ordered pizza. I need to spend £90 tomorrow for electrician, saturday I am taking MD out and Sunday may very well be a No Spend day we will see. HotdogX1
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Day 19 today ‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’Frugal living in 2024.
Frugal living in 2025.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
6 month Emergency Fund: £5,528 / £8,000
Nationwide 1 year 6.5% Savings - £1,400 / £2,1001 -
NSD #9 for me today - slowly making progress 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £93,038.66 (10years 5months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = /£10001 -
NSD here 😊
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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
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June NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
June targetsAuntieL 9/12
beanielou 17/19
Caeraugirl 7/15
cathybird 17/15
Crazycatlady2 17/18
Daywon 2/20Farmers-wife 2 6/10
GeriatricmumHotDog2020 7/15
ilovetea 2/10
KajiKita 17/18
keggie 1/15laconic 10laura laulaurenh 14/20
leftatthetrafficlights 9/24
LittleMissDetermined 12/18
Makingabobor2 14/15
Money ChoicesMrs Cautious 9/20
Rupacomp 5/15
Saver-upper 3/10
SecondStar 19/17
short bird 16/18
Tiangfeng2022 10Worlds Worst Superhero 12/20
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Thursday was day 16.‘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.2
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