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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NSD for me today too 😁MFW 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 -
Think I’m going to be cautious for December and go for 15.KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 30 books of target 52 in 2026 as @ 4th May.
Produce tracker: £93 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Seeing as I seem to be finding it a
more of a challenge than I thought with all these bits and pieces of spending, I’ll stick with 15 for December again.2026 decluttering: 1,156 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 335🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0001 -
November NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 14/15
beanielou 25/19
BestnamesRgone 19/20
Caeraugirl 15/20
cathybird 21/15
Geriatricmum 1/15HotDog2020 4/10
Janeryan 2/5
KajiKita 17/20
laura lau 12/18
laurenh1 17/18
leftatthetrafficlights 19/24
LittleMissDetermined 14/18
Makingabobor2 13/15
Nintud 1/6QueenJess 12/15
RisingPhoenix1 15Rupacomp 7/12
SecondStar 22/20
short bird 15/18
Shrewbie 15TizerCat 12/16
winterbear95 5/TF
x raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
December targetsAuntieL 15beanielou 19BestnamesRgoneCaeraugirlcathybird 15GeriatricmumHotDog2020 10JaneryanKajiKita 15laura laulaurenhleftatthetrafficlightsLittleMissDeterminedMakingabobor2 15NintudQueenJess 15RisingPhoenix1RupacompSecondStarshort bird 18TizerCatwinterbear95x raphael xx🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
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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 -
Thanks @cathybird I can't seem to get in the flow, I will go for 10 again but the real aim will be 15. Thank you.1
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Early call for today. Will be spending the day doing spread sheets & finances, so no spending will take place.
Target for December will be 15 againMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £660/3000
.
Studies/surveys May...£47.73
Decluttering items 1400/2025. 206/2026
Books read 23 in 2025. 2026- 12 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Calling a super early day today for 22 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.
Frugal living in 2026.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
6 month Emergency Fund: £5,768 / £8,000
Nationwide 1 year 6.5% Savings - £1,600 / £2,2001
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