Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15
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Amazing April's No-Spend Days Challenge!
Comments
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Day 5 for me. I've also had my big thank you from Nationwide which is great as yesterday definitely wasn't a NSD.3
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Still 5/15 for me finally bought Easter eggs, bought ones on offer instead of my preferred brand but still cost more than I had budgeted! Will update my budget for next year so it’s more realistic.Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6603
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NSD #2 for me. Slow month for NSDs so far but hopefully will pick up some momentum 🤞MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £93,038.66 (10years 5months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = /£10001 -
NSD Thursday 😊
KKAs at 15.11.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2025, as @ 7th December
Produce tracker: £442 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 -
Me too! NSD for me please xCurrent debt approximately 5000
Goal- Zero debt by mid 2025
Savings in 2026- an emergency fund of 50001 -
6/19 please @cathybird Thank you!1
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April 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
April targetsAuntieL 2/18
BadBookkeeper 5/15
beanielou 11/19
Caeraugirl 5/20
Cassingtonbear 10cathybird 8/15
Crazybee787 6/19
Crazycatlady2 6/15
cuddlymarm 3/15
Dizzycap 10/20
doingitanyway 1/10
ET22 6/20
Honeysucklelou2 10InDebtEnby 2/10
Jay1 2 3/14
KajiKita 8/20
Kermit10 20laura lau 2/20
laurenh1 4/18
LittleMissDetermined 6/15
Louise600 3/10
Makingabobor2 15Money Choices 3/10
Optimistic Saver 9/20
Pinkpieuni 6/10
QueenJess 9/15
Saver-upper 15SecondStar 1/15
short bird 7/18
thepurplepixie 5/10
Thriftymissus 7/20
To see the updated results for April on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Not one today, buying Easter eggs for grown up children and their partners and looking forward to them treating me on Easter Sunday x1
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Declaring another NSD today.2025 decluttering: 5,481 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 502🥉🥈🥇💎🏆Big kitchen declutter challenge 140/1502025 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 today.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.2
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