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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Ah, sorry … 20 for September … Going to push myself, just a little 😊
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 -
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 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 -
Hi @cathybird please can you put me down for 15 in September. No holidays in September so I should manage to reach that. Many thanks 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
15 days in September please.
Jan 2022
Owed approx 70,000 in consumer debt
Dec 2024/August 2025
Loan 1 4750/0
Loan 2 10690/0
Card 1 10764/7578
Card 2 5674/4230
Card 3 5158/0
Total 37036/11803
Emergency Fund 0/2000
2022 Over 70k debt. Time to change!
2022-25 Paying off debt.
2025 Cash lump sum used to pay down debt quicker than hoped.
2025+???? Stay happy and in control of my finances1 -
Thanks @KajiKita, I would normally, but I popped into supermarket for some non-essentials at the same time, as I was spending anyway 😊.KajiKita said:
I think you can exclude fuel as it’s an essential. 😊Caeraugirl said:Spent today as needed petrol.
Could I set a target of 15 for September please.
KK#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 4/102 -
Hi can I add 3 please1
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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 -
Day 20 today.‘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 -
August NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
August targetsAppleADay2024 10AuntieL 10/15
beanielou 25/19
Caeraugirl 10/10
cathybird 11/10
Crazycatlady2 16/20
Doris17 6/12
Geriatricmum 9/10
HotDog2020 11/15
ilovetea 12/20
KajiKita 21/18
laura lau 16/18
laurenh 9/18
leftatthetrafficlights 24LittleMissDetermined 19/18
Makingabobor2 9/15
MoneyFreedom24 5/15
Mrs CautiousProdigal50Rupacomp 10/12
Saver-upperSecondStar 7/16
short bird 20/22
Worlds Worst Superhero 22/20
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