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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Nsd today.
Challenges
NSD - Dec 3/10
Pay off all your debts by Christmas 2025 #7 £6,500/£6,500 - All gone, paid off.
52 Week Envelope Saving Challenge #7 £1,378/£1,378 -(52/52)
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £35,801.82/£38,000
Mortgage - Jan 2025 £75,600-Current bal £36,851.26 Target MF - Jun 26, 205 days away.
Loan - Jan 2025 £4,095 - Current balance £1,288
"Look after the pennies and the pounds will look after themselves"
3 -
Not one today after all. Sorry @cathybird.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 -
Reporting an early NSD Friday 😁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 = /£10002 -
20/19 Please @cathybird Thank you - to get the full board! Have a Super Weekend AllXX2
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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 7/18
BadBookkeeper 11/15
beanielou 23/19
Caeraugirl 7/20
cathybird 19/15
Crazybee787 20/19
Crazycatlady2 15/15
cuddlymarm 9/15
Dizzycap 24/20
doingitanyway 1/10
ET22 6/20
Honeysucklelou2 10InDebtEnby 8/10
Jay1 2 9/14
KajiKita 17/20
laura lau 6/20
laurenh1 8/18
LittleMissDetermined 12/15
Louise600 3/10
Makingabobor2 15Money Choices 9/10
Optimistic Saver 18/20
Pinkpieuni 15/10
Quantaqa 2/4
QueenJess 16/15
Saver-upper 15SecondStar 9/15
short bird 15/18
thepurplepixie 10/10
Thriftymissus 20/20
To see the updated results for April on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Grrr not one today, took ds to his cricket training and bought a drink at the bar as well as for people sat with. It’s a social club so don’t feel I can bring my own but at £10 a week, it’s going to put a dent in my monthly spends not sure whether to just sit in the car to wait and watch himLightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6604
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I've no idea what I did on Tuesday.... but I'm assuming I spent.Jay1_2 said:Easter Sunday = NSD
Easter Monday = NSD - and that's despite running out of chocolate biscuits! No chocolate bars left either! I tried to satisfy the 9 year old inside me with a jam sandwich and a hot chocolate, which didn't completely work but at least they couldn't claim they were hungry after that.
I will need to do some shopping tomorrow though, I've run out of nearly all food except frozen vegetables.
I don't think I spent on Wednesday..... oh heck I did, I bought a drink.
Thursday was only yesterday and I know I spent.
And I spent again today.
I don't think I'm going to get to my target this month.Toodle-pip :hello:2 -
Wednesday was an unexpected day 15...‘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 -
@ Jay1_2 - Try your best even if you get another 1 or 2 NSDs it all adds up
Next month try going for fewer NDS and beat your goal and then build up from there 
Declaring a NSD 24/20 Saturday - It's a bed rest weekend
Wishing everyone a Satisfying NSD Saturday!~ NSD 2025 - NSD December 9/20 (11 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & 2 x Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1756.28 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 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 £22,375.08 / £12,000 💯 (12) - Completed3 -
An early call for a no spend Saturday - 18/20From 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: £58,471.882
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