Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Joyous January's No-Spend Days Challenge!
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NSD #4 today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
Another NSD for me. Its too bloomin' cold to go out to the shops! I'm walking backwards and forwards around my flat to try to get some steps in!
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January 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 4/15bamboo socks 2/10beanielou 4/19BestnamesRgone 15bloomfelt 2/10Bluefeathers32 10Caeraugirl 4/20Cassingtonbear 15cathybird 4/15Combenew 10Crazybee 4/19cuddlymarm 3/15Dizzycap 27Doris17 5/15felicityBD15 1/10Honeysucklelou2 1/10Jay1 2 3/10KajiKita 4/20laura lau 3/18laurenh1 3/20lilian1977 1/20LittleMissDetermined 2/16Louise600 1/10Makingabobor2 2/15Nexgenn 1/10QueenJess 3/15Optimistic Saver 4/15Pauper1 2/20peacocking 4/25RupacompSausageroll14 2/20SecondStar 15SerenitySeven 10short bird 3/18Tjh1412 3/15try harder 15tryingmybesthonest 22To see the updated results for January, click here🌞 🌞 Everyone welcome to join! 🌞 🌞2
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NSD
4/25. A 14 hour day at work probably helped!
About 35k March 24
<then many hours working, little sleep, much grumbling>
Now:
£13577 Jan 25
£11100 End Jan 251 -
Now at 2/10 - I forgot coffee grounds on the weekly shop so did a bulk order from the big online shop, and I'm about to checkout some kids coats in one of the sales (not strictly necessary, as they are for next winter, but taking advantage of the bargains!)1
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Declaring another NSD today.2025 decluttering: 4,392 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟2025 use up challenge: 345🥉🥈🥇💎🏆Mini freezer challenge +3/-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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Not today - spent late last night on my veggie seed order, finally! 😊
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 44 books of target 52 in 2025, as @ 21st 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 -
Early NSD today, I don’t need anything and I have no plans of leaving the house in this miserable weather, apart from walking the dog, so no expense will happen.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 -
One for yesterday and one for today please.5/15
"Make Everyday Count"1 -
Not today, I purchased an Excel book (another one!) Needs must!Mission Number One: Get a job!
Mission Number Two: Get a lodger!
Mission Number Three: Clear debt, starting balance: £1997.17, balance now: £1997.17
Once accomplished all three come back and start new missions!2
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