Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Outstanding October's No-Spend Days Challenge!
Comments
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NSD for me today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
NSD Monday here 😊
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 46 books of target 52 in 2025, as @ 28th 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 -
Top up groceries bought today (bf forgot some items) Allowed spends6/25 NSDs
Debt Free as of 17/01/2009 Turtle Power!!
EF Challenger #3 £1543.72 / £5000
MFW 2024 #100 £1300.00 / £10,000
MFiT #40 Jan 2025 Target - £99,999.00
Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.982 -
Another two to add, for yesterday and today.#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 12/101 -
Another NSD today.
2025 decluttering: 4,908 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟2025 use up challenge: 351🥉🥈🥇💎🏆Mini freezer challenge 0/-20Big kitchen declutter challenge 115/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
October NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 4/15beanielou 7/19
BestnamesRgone 6/15
Caeraugirl 3/18cathybird 7/15
Crazycatlady2Doris17 1/12GeorgianaCavendish 8Geriatricmum 10Honeysucklelou2HotDog2020 3/10KajiKita 6/20
laura lau 5/18
laurenh1 4/18leftatthetrafficlights 4/24LittleMissDetermined 5/18
Makingabobor2 15Nintud 5QueenJess 4/10RisingPhoenix1 5/15
RPD1953 10Rupacomp 3/15SecondStar 5/22
short bird 5/18
Worlds Worst Superherox raphael xx 6/25
🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
3
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Up to 5 NSDs so far
‘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!
Nationwide 1 year 6.5% Savings - £600 / £2,4001 -
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 -
let myself down and spent £1.50 on a bag of cookies yesterday! Today will be a no spend tho 🙂1
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