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!
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No spending today. Been enjoying the last day of my holiday sitting inside & playing video games.12/25 NSDsDebt 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 £103,594.981 -
Another NSD for me today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
Not sure if today was an NSD or not ….
- Went to garden centre and bought bulbs and plants - but these I paid for from my ‘pocket money’ cash that I had saved up for my holiday and hadn’t spent …
- bought cat food - think the cats would see this as essential! 😉
- the thing that might have broken my NSD: a bulb in a side lamp that I use every day, failed this morning. I had one in stock but needed to order a new one to replace it …
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 48 books of target 52 in 2025, as @ 31st 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 -
October NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 8/15
beanielou 17/19
BestnamesRgone 14/15
Caeraugirl 10/18
cathybird 12/15
Crazycatlady2Doris17 3/12GeorgianaCavendish 8Geriatricmum 3/10
Honeysucklelou2HotDog2020 8/10
KajiKita 11/20
laura lau 11/18
laurenh1 8/18
leftatthetrafficlights 16/24
LittleMissDetermined 14/18
Makingabobor2 15Nintud 2/5
QueenJess 11/10
RisingPhoenix1 12/15
RPD1953 10Rupacomp 9/15
SecondStar 14/22
short bird 13/18
Worlds Worst Superherox raphael xx 12/25
🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
As 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 48 books of target 52 in 2025, as @ 31st 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 -
hi Cathybird, I’m 14 today, thanks xx1
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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 -
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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
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