Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Joyful July's No-Spend Days Challenge!
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Catching up with myself.NSDs on 17th, 18th and early declaration for today 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 47 books of target 52 in 2025, as @ 30th August
Produce tracker: £353 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 -
15/24 pleaseDNF: £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 -
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 -
Morning and happy Fri-yay! It's 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 #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
Day 16 due to global IT failures; I'm notoriously risk averse at times like this!‘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.1 -
Calling an early NSD for today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
July NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 9/15
beanielou 18/19
Caeraugirl 5/12
cathybird 15/15
Crazycatlady2 8/18
Daywon 15HotDog2020 9/15
ilovetea 6/20
KajiKita 15/18
laurenh 4/20leftatthetrafficlights 15/24
LittleMissDetermined 11/15
Makingabobor2 5/15
Mrs Cautious 9/26
Rupacomp 12/15
Saver-upperSecondStar 13/19
short bird 16/18
Worlds Worst Superhero 11/20
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
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Not one for me and since I am flying out of the UK on Sunday to see family I suspect there won't be any more for me either. I will (obviously) keep updating the challenge but it might be at wonky times of day!
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Safe travels @cathybirdcathybird said:Not one for me and since I am flying out of the UK on Sunday to see family I suspect there won't be any more for me either. I will (obviously) keep updating the challenge but it might be at wonky times of day!Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001
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