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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Thriftymissus said:AuntieL said:Not one for me today. I booked theatre tickets for November to take my Mum to see The Sound of Music 😁
I was looking for theatre tickets yesterday to take my mum to see The Souhd of Music! I didn’t find any so went for Mary Poppins in August instead (so no NSD for me either…but something tells me I could have tried harder to find Sound of Music!)MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7002 -
cathybird said:Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7002 -
Back to being an NSD for me today😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Dizzycap said:AuntieL I hope both you and your mother have a great time! xxxThey'll be no spending for me over the weekend, so I'll be 12/31I hope everyone has a great weekendDebt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Only a food spend today so an NSD 😊
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 -
And of course Pitlochry theatre have a new artistic director in Alan Cumming!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.3 -
NSD today!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 -
January 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =January targetsAuntieL 10/15bamboo socks 2/10beanielou 11/19BestnamesRgone 15bloomfelt 5/10Bluefeathers32 10Caeraugirl 8/20Cassingtonbear 1/15cathybird 8/15Combenew 10craftingmad 2/16Crazybee787 10/19cuddlymarm 7/15Diane1276 10Dizzycap 12/27Doris17 11/15felicityBD15 2/10Flick85 3/10Frugalontoast 15Honeysucklelou2 1/10Jay1 2 5/10KajiKita 9/20Lanky larry 2/20laura lau 6/18laurenh1 9/20lilian1977 5/20LittleMissDetermined 5/16Louise600 3/10Makingabobor2 6/15Money Choices 2/10Nexgenn 4/10Nintud 2/8QueenJess 8/15Optimistic Saver 7/20Pauper1 6/20peacocking 9/25RupacompSausageroll14 5/20Saver-upper 7/12SecondStar 15SerenitySeven 10short bird 7/18Thriftymissus 9/22Tjh1412 7/15try harder 15tryingmybesthonest 22To see the updated results for January, click here🌞 🌞 Everyone welcome to join! 🌞 🌞2
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AuntieL said:Thriftymissus said:AuntieL said:Not one for me today. I booked theatre tickets for November to take my Mum to see The Sound of Music 😁
I was looking for theatre tickets yesterday to take my mum to see The Souhd of Music! I didn’t find any so went for Mary Poppins in August instead (so no NSD for me either…but something tells me I could have tried harder to find Sound of Music!)1 -
2 more NSD's for me 11th & 12th. I really don't see much hope of spending next week either, but I'll try and update each day xxx
~ NSD 2025 - NSD August 6/20 (7 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing - 1 x £25 Voucher Redeemed, 20 FREE Books of RM Stamps & Presentation Packs.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1934.34 / £2025 (95.5%) (3) 💯💯+# No.12 Save £2 a Day 2025 2025: £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £14,986.67 / £12,000 💯 - Continuing2
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