Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Awesome August's No-Spend Days Challenge!
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So cross with myself. Yesterday was going so well and then I went in charity shop and spent £3 on books! Didn't "need" any of them, just thought they looked like they would be a good read. Hey ho...onwards and upwardsMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
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Studies/surveys August £7.48
Decluttering items 771
Books read 14
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Have another three NSDs for Sat, Sun and Mon.#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 4/101 -
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.1 -
Not a NSD for me. I was good at the departing airport, but while I was waiting for OH at arrivals I bought a coffee and breakfast for both myself and him. It was costly, but I did enjoy it, so it's fine!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/661 -
NSD #4 today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
I have bought snacks my first layer of naughtiness, enjoyed but I really wish I hadn't I will beat this eventually, I really only went in for coke but ended up with half the shop! Then I bought plastic storage boxes and curtains also...I defo should not have bought the curtains but I thought I couldn't just buy the boxes for delivery and I do need new curtains for the Wardrobe. I also spent £1.30 on a library loan, a book that I asked to be sent to local library, I collected and paid and tweezers - I keep losing mine.1
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NSD Wednesday and pretty sure at least one out of Monday and Tuesday too to add 🤣🤣1
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NSD yesterday and today.
Only thing I bought was groceries and cat litter. Both necessary.
Went to look at furniture for my new flat when I get it. Think I'll have to tart saving up big time :-(
11 NSD so far.
ilovetea xMake £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/201 -
One today. Did spend, but it was from housekeeping budget, so allowed.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Studies/surveys August £7.48
Decluttering items 771
Books read 14
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
NSD Wednesday here 😊
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 = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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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