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!
Comments
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Thankyou for starting a new thread @cathybird
I've had a really tough 2024 and a lot has slipped through the net. I'd like to try and get back on track for 2025 and ease myself back in with a goal of 10 nsd's for January. I've downloaded the app for my phone so I can hopefully keep up with posting a bit better.January NSD8/102 -
I have to retrain myself not to spend money after a few days of continuous spending, I am trying to tell myself to not spend for the first 19 days, then I will have some spending days later on. Which means I feel like crisps I will wait for my groceries and not add it on to my fuel trip, keeping as many no spend days as possible. Sorry for the waffle. Happy New Year. Please @cathybird can I have one for today...thank you XXMission 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!1 -
First NSD of the month and the year for me please. Determined to do better this yearMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,524....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £590/£3000
.
Studies/surveys August £20.99
Decluttering items 932
Books read 15
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Day 1: haven't been out, not bought anything online...‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.1 -
Starting the year with NSD. Happy new year!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 -
Counting today as DMIL paid for lunch, I bought milk but used the food budget and I was passing the big T3sco so got the GreenJinn Minor Figures milk - they don't have it in my local one and it's much nicer, the £1 off brings it to pretty much the price of the A1di one. NSD 1.My debt free diary | Post Office loan: £2131 1429.38 | Barclaycard: £4429 1988.12 | Paypal Credit £322.71 574.91 | Monzo Flex £169.03 |
Total £4151.44 | £2900.30 of £7051.74 paid off since diary started October 2024.1 -
Happy New Year everyone!
Starting the year with an NSD 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
Declaring a NSD for today. Probably not another one for a few days as I have some things planned whilst DS is still on school holidays.
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 -
First NSD for me today too. Only ventured to the in laws and didn't buy anything online
Make £2025 in 2025 #18 - £569.66/£2025
1p savings challenge #32 £24.85/£667.95
March - 0/15 NSD, £189.29/£168.75 made, PAD £72/£186, £184.87/£400 GC
Total debts Jan 1st £11706.68 😭
Jan 29th £11354.92
Mar 1st £11015.301 -
Hi there - could I join, please? With a NSD target of 15…. 🤞 Off to a good start, with no spending today. 1/15 🙌From Jan 25:
4,419.92-1,957.50
4,538-3,260
3,240.18-3,240.18
BL 1,900-1,120
Total: 12,182.91-9,577.68
🏆 ⬇️ by £2,605.23
NSD July 4/18
#58 1p: 226.97/667.95 212/365
#18 52: 1,063.89/1,378 27/52
#32 Make 2025: 941.31/2,025
#20 12k: 5,145.85/5,000
Vin 86.50
YG YL 100
Prol SB 311.81
Bank 364.32
Quid 100.03
Ched 49.77
Snap 20
Books 4.02
Monzo 2,232.17
TSB 700/2,700
FD 1,100/3,500
Atom 200
Prin 600/1,224.74
Invest 313.68
🏆 ⬆️ Total: £5,145.85
Trading: £793.73
Mortgage: £58,471.881
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