Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Amazing April's No-Spend Days Challenge!
Comments
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Forgot to post yesterday. NSD Monday 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £353 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 -
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.3 -
Declaring another NSD early today. Surprised to be up at the dizzy heights of last month given there was 2 weeks of Easter hols included this month!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 👑 5003
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I'm determined to get to my target so 🤞🏽for today and tomorrowAugust No Spend Challenge: 12/13
2025 No Spend Days: 99/100
Bank Loan Original End Date: 08/2030
Current End Date: 08/20303 -
I am soooo off the ball this month - both sons have been home from Uni and as a result we ran out of something (usually a basic foodstuff) pretty much every day!
One returned Saturday and the other Sunday, so as a result I've finally managed an NSD yesterday and am going for another today.#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 8/103 -
Not Today I bought dining chairs, which is what I had been saving for and I got a few groceries! Yay me!Mission 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!3 -
Another NSD for me today 😁 A long way off my target but made it to double figures 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7003 -
Another NSD for me today. I am delighted that I've got to my target of 4. This has changed my focus as after pay day, which was last week, we usually go for a takeaway but we've not done that. Tonight's dinner is made and ready to go so feel like we're past the temptation of going for a takeaway this month.
Frugal Living challenge 2025
Grocery Challenge August /£180
Save £12k in 2025 Challenge - Goal £30k
August NSD Challenge - 5/15NSDs4 -
Well done...Impressive, good luck for May tooXXQuantaqa said:Another NSD for me today. I am delighted that I've got to my target of 4. This has changed my focus as after pay day, which was last week, we usually go for a takeaway but we've not done that. Tonight's dinner is made and ready to go so feel like we're past the temptation of going for a takeaway this month.Mission 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!3 -
April 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
April targetsAuntieL 10/18
BadBookkeeper 12/15
beanielou 27/19
Caeraugirl 9/20
cathybird 21/15
Crazybee787 22/19
Crazycatlady2 15/15
cuddlymarm 12/15
Dizzycap 26/20
doingitanyway 1/10
ET22 6/20
Honeysucklelou2 10InDebtEnby 8/10
Jay1 2 10/14
KajiKita 19/20
laura lau 6/20
laurenh1 8/18
LittleMissDetermined 16/15
Louise600 3/10
Makingabobor2 15Money Choices 9/10
Optimistic Saver 18/20
Pinkpieuni 16/10
Quantaqa 4/4
QueenJess 20/15
Saver-upper 15SecondStar 9/15
short bird 18/18
thepurplepixie 12/10
Thriftymissus 24/20
To see the updated results for April on phone or tablet, click here
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