Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Nifty November's No-Spend Days Challenge!
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Declaring another one for me 9/16, well on the way now :-) . Better update my signature !Debt at LBM 2010 £40,640.17. Debt Free 2017 Debt 2023 £24k I didn't learn! NEW Goal Debt and Mortgage Free Jan 2025.
Debt Free Diaries - TizerCat learns to stay debt free
November NSD Challenge 12/16
6 months emergency fund challenge £500/£60001 -
One today 😊
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 -
Claiming another for today, and originally counted yesterday as a spend day as had to take dog for an unplanned vet visit - but save in an annual pot for vet bills and other dog expenses so have decided I'll allow it as an NSD as it's already budgeted for and an essential spend.
So 2 more NSDs for yesterday and today, taking me up to 8 so far this month.#21 Save £12k in 2025 £19277.35/£200001 -
Another NSD for me today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7000 -
November NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 6/15
beanielou 13/19
BestnamesRgone 9/20
Caeraugirl 8/20
cathybird 12/15
Geriatricmum 1/15HotDog2020KajiKita 8/20
laura lau 6/18
laurenh1 10/18
leftatthetrafficlights 12/24
LittleMissDetermined 6/18
Makingabobor2 6/15
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! 🌞 🌞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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Declaring super early NSD today, so I will keep myself in check better! I need to be careful, otherwise I risk not to reach my NSD's this month either!!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/661 -
another one please CB. I did buy my son school shoes but I am going to let myself off, as they are a necessary spend
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Another one to add today please. 2 trips to the village, and not a penny spent.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £800/£3000
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Studies/surveys October £54.35
Decluttering items 1358/2025
Books read 19
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2
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