September NSD challenge
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Splendid September's No-Spend Days Challenge!
Comments
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As at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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.2 -
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.2 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
September targetsAuntieL 9/15
beanielou 17/19
BestnamesRgone 8/12
Caeraugirl 9/15
cathybird 14/15
Crazycatlady2 1/18Doris17 4/12Geriatricmum 8/10
HomeHelpPlease101 15Honeysucklelou2 2/10HotDog2020 2/15iloveteaKajiKita 16/20
laura lau 6/15
laurenh 11/18
leftatthetrafficlights 4/24
LittleMissDetermined 12/8
Makingabobor2 7/15
QueenJess 2/5
Prodigal50 15Rupacomp 7/15
Saver-upperSecondStar 17/TF
short bird 12/18
Worlds Worst Superhero 9/20
🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
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One more for me today.#21 Save £12k in 2025 £19277.35/£200001
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Another NSD today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
Not today - paid Mr KK my half for the double glazed panes that have blown and the materials he’s bought in for the rendering work where we have been moving windows etc.
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Not one for me either, I bought a couple of items today that were definitely not essential, including a book (though of course many would say books were essential!)0
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My second NSD on Thursday.
2025 decluttering: 5,256 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 406🥉🥈🥇💎🏆Big kitchen declutter challenge 137/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
Books are really essential 📚cathybird said:Not one for me either, I bought a couple of items today that were definitely not essential, including a book (though of course many would say books were essential!)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
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