Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Nifty November's No-Spend Days Challenge!
Comments
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Another one today
Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
Finally managed another NSD todayMFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10001 -
November NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 6/15
beanielou 12/19
BestnamesRgone 9/20
Caeraugirl 8/20
cathybird 12/15
Geriatricmum 1/15HotDog2020KajiKita 8/20
laura lau 5/18
laurenh1 9/18
leftatthetrafficlights 12/24
LittleMissDetermined 6/18
Makingabobor2 5/15
Nintud 1/6QueenJess 6/15
RisingPhoenix1 15Rupacomp 4/12SecondStar 8/20
short bird 8/18
Shrewbie 15TizerCat 9/16
winterbear95 5/TF
x raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
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My first NSD of November today, I've been trying to space out my Christmas shopping so I dont buy silly things.... Don't hold out much hope for this months target!1
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Declaring early 12/24 please 😁'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £1471.53/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £1471.53/£6700
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'1 -
Didn’t manage one yesterday but today will absolutely be a NSD! 😁1
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Declaring a NSD today.
2026 decluttering: 1,099 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 302🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0001 -
One today please...half way
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