Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Joyous January's No-Spend Days Challenge!
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@Dizzycap very sorry to hear you're still ill, hope it passes soon xxx
@Cassingtonbear (and everyone), basic groceries, fuel, public transport and medications among other necessities don't count so if all you bought on those days were a few bits of fruit and veg, you can count them as NSDs, hope that helps xx2 -
Number 7 for me today. I got out of buying a hot drink when it was bought for me - at £3.25 I was happy to avoid the daylight robbery x0
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7/19 please for me, I have been at work today, and no chance to spend. Thanks @cathybird I hope you have had a good day? Feel free to ignore, you seem to have a lot of people signed up, I hope you find managing the thread okay?2
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I was hoping it would be a NSD but it wasn’t as I broke the filter of the dehumidifier when I cleaned it before Christmas, and it was sold out and just got the notification it’s back in stock, so purchased two for good measure (I have 2 of the same in two different rooms) as they are on all the time and these filters are so delicate. Si no NSD. However, I held off taking advantage of the missed NSD to purchase other unnecessary things which have caught my eye, so it’s still a win for me 😁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 43.5/663 -
NSD Wednesday here 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 -
NSD for me today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7000 -
Successful NSD for me today, so that’s now 3/10. Had a rough day at work and was very tempted to buy myself a slice of cake to cheer me up. Very pleased with myself for avoiding that temptation!Challenges:
January NSD: 4/10 days
Pay Your Debts in 2025: 0/£15,0004 -
January 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 8/15bamboo socks 2/10beanielou 8/19BestnamesRgone 15bloomfelt 5/10Bluefeathers32 10Caeraugirl 7/20Cassingtonbear 1/15cathybird 6/15Combenew 10craftingmad 2/16Crazybee 7/19cuddlymarm 4/15Diane1276 10Dizzycap 7/27Doris17 8/15felicityBD15 2/10Flick85 3/10Frugalontoast 15Honeysucklelou2 1/10Jay1 2 3/10KajiKita 7/20Lanky larry 2/20laura lau 5/18laurenh1 6/20lilian1977 3/20LittleMissDetermined 5/16Louise600 3/10Makingabobor2 4/15Money Choices 2/10Nexgenn 1/10Nintud 2/8QueenJess 6/15Optimistic Saver 6/20Pauper1 5/20peacocking 6/25RupacompSausageroll14 2/20Saver-upper 6/12SecondStar 15SerenitySeven 10short bird 5/18Thriftymissus 7/22Tjh1412 5/15try harder 15tryingmybesthonest 22To see the updated results for January, click here🌞 🌞 Everyone welcome to join! 🌞 🌞0
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@CrazyBee787 I have had a good day thanks, very cold outside, isn't it. Hope you're all good too xx2
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Another one today.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 £550/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2
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