Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Amazing April's No-Spend Days Challenge!
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Combination of being away, planning for summer hols and painting the hallway has meant many spend days. However today is a NSD 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7002 -
April 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =April targetsAuntieL 4/18BadBookkeeper 8/15beanielou 19/19Caeraugirl 7/20cathybird 14/15Crazybee787 15/19Crazycatlady2 10/15cuddlymarm 7/15Dizzycap 18/20doingitanyway 1/10ET22 6/20Honeysucklelou2 10InDebtEnby 6/10Jay1 2 7/14KajiKita 14/20Kermit10 20laura lau 6/20laurenh1 8/18LittleMissDetermined 9/15Louise600 3/10Makingabobor2 15Money Choices 7/10Optimistic Saver 13/20Pinkpieuni 10/10QueenJess 12/15Saver-upper 15SecondStar 9/15short bird 12/18thepurplepixie 9/10Thriftymissus 15/20To see the updated results for April on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞0
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Day 15 Please @cathybird Thank youXX P.S Happy Easter weekend to all who pass here!2
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Not today. Lunch with a friend 😊
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 = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 36 books of target 52 in 2025, as @ 19th July
Produce tracker: £223 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.3 -
Yay! Finally got another 1! 8/15 for me please 😃😁Lightbulb moment - 17/08/2017 £17,033. Current CC debt £0.00 DFD 31/7/24 🥳. Member #8 of Fiver Friday Challenge £150/£2602
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Jay1_2 said:One more NSD.
But I need to spend again tomorrow. And today I wasn't really active either. When I'm at work all day I don't spend - I've mostly got into that good habit, but I'm so good at avoiding anything that resembles housework (including crafts that I've already started) that when I'm not at work I either vegetate or spend money.
And I think tomorrow will be a day of vegetating - not many places open to spend money in anyway.2 -
Well done with all the NSDs folks - we're smashing it again!Declaring a NSD 18/20 Sunday - No spendies planned for the rest of the month, unless it's an emergency.Wishing everyone a Sunny Easter NSD Sunday~ NSD 2025 - NSD July 20/20 (6 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1634.34 / £2025 (58%) (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 £13,429.74 / £12,000 💯 - Continuing1
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No spending for me today, that’s number 15. Thank you @cathybird and happy Easter 🐣2
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Happy Easter everyone7 -
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.1
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