Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Nifty November's No-Spend Days Challenge!
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another one today, up to 11/15 now. Can't believe how well I've done this month. Think the cold snap in the weather is stopping me from wanting to go out and spend random bits in local shops.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £500/£3000
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Fiver Friday '25 #10 £15
Studies/surveys July £79.31
Decluttering items 755
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
NSD for me today, not stepped outside the house all day!0
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I thought it was a no spend day, but actually I made a donation, I am not sorry the poor chap was out in the cold...awful!1
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Another nsd todayMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Up to 16 NSDs‘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 - £400 / £2,4001 -
HotDog2020 said:I thought it was a no spend day, but actually I made a donation, I am not sorry the poor chap was out in the cold...awful!Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £500/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £79.31
Decluttering items 755
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
HotDog2020 said:I thought it was a no spend day, but actually I made a donation, I am not sorry the poor chap was out in the cold...awful!2
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November NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =November targetsAuntieL 12/15beanielou 19/19BestnamesRgone 15/20Caeraugirl 12/20cathybird 19/15Geriatricmum 1/15HotDog2020 4/10Janeryan 1/5KajiKita 14/20laura lau 9/18laurenh1 13/18leftatthetrafficlights 16/24LittleMissDetermined 13/18Makingabobor2 11/15Nintud 1/6QueenJess 10/15RisingPhoenix1 15Rupacomp 7/12SecondStar 16/20short bird 12/18Shrewbie 15TizerCat 12/16winterbear95 5/TFx raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞0
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cathybird said:HotDog2020 said:I thought it was a no spend day, but actually I made a donation, I am not sorry the poor chap was out in the cold...awful!2
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It's another one for me today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21262
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