Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Marvellous March's No-Spend Days Challenge!
Comments
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Hi 😀
2 NSDs please (yesterday and today)March No Spend 10 day Challenge: 9/101 -
I have just booked myself in for a roast so it will be a spendy day...I am looking forward to it!New Missions to take me into the New Year 2026!:-
1) Clear CC2 first £624.46
2) Pay SFD back £1440.47
3) Pay SFD back £1000.00
4) Pay MD Back £649.00
5) Pay back 0% Interest now standing at £2223.78
Total debt: - £5937.712 -
Day 11 on a very grey Sunday.‘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.2 -
NSD Sunday - making into double NSD digits 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,980.28
2024 Overpayment = £675.66
2025 Overpayment = £622/£7002 -
Finally! One today 😊 I got me 10 😊👏
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,270 Interest saved £5,816 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 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.2 -
Well done KK!KajiKita said:Finally! One today 😊 I got me 10 😊👏
KKNew Missions to take me into the New Year 2026!:-
1) Clear CC2 first £624.46
2) Pay SFD back £1440.47
3) Pay SFD back £1000.00
4) Pay MD Back £649.00
5) Pay back 0% Interest now standing at £2223.78
Total debt: - £5937.711 -
Well done.KajiKita said:Finally! One today 😊 I got me 10 😊👏
KKI 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.1 -
Declaring two more NSD’s; one today and one yesterday.2025 decluttering: 5,121 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 363🥉🥈🥇💎🏆Mini freezer challenge -1/-20Big kitchen declutter challenge 121/1502025 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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One for me todayCurrent No Spend Challenge: 9/13
2025 No Spend Days: 111/130
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301 -
As at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,270 Interest saved £5,816 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 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.2
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