Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Magnificent May's No-Spend Days Challenge!
Comments
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Reporting NSDs on Wednesday and Thursday 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7003 -
Declaring another NSD today.2025 decluttering: 5,229 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 395🥉🥈🥇💎🏆Big kitchen declutter challenge 132/1502025 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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6/15 for me pleaseLightbulb moment - 17/08/2017 £17,033. Current CC debt £0.00 DFD 31/7/24 🥳. Member #8 of Fiver Friday Challenge £220/£260. PAD member.3
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NSD here today 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 58 books of target 52 in 2025, as @ 12th October
Produce tracker: £426 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 -
May 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =May targetsAuntieL 5/18BadBookkeeper 6/15beanielou 7/19birdsfoottrefoil 10Caeraugirl 2/20cathybird 5/15Crazybee787 4/19Crazycatlady2 6/15cuddlymarm 4/15Dizzycap 9/20doingitanyway 10Doris17 3/15ET22 1/10InDebtEnby 5/10Jay1 2 3/14KajiKita 6/20laura lau 20laurenh1 5/15library0602 1/10LittleMissDetermined 5/15Louise600 10Money Choices 10Optimistic Saver 4/20Pinkpieuni 5/10Quantaqa 6/10QueenJess 5/15SecondStar 5/15short bird 6/18thepurplepixie 5/15Thriftymissus 7/TFviczs123 10To see the updated results for May on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞3
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Look at the NSD Train go!Declaring a very early NSD 9/20 Friday - I will be picking up a little shopping for an unwell elderly neighbour early in the morning, but they'll be paying - I feel like a 'personal shopper' spending other peoples moneyWishing everyone a Fantastic NSD Friday! Let's keep the NSD train rolling along~ NSD 2025 - NSD October 16/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1278.68 / £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 £20,075.12 / £12,000 💯 (8) - Continuing3
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Good morning
Finally one for me today please. I’m going to attempt to make it through the weekend without spending until my food shop on Monday now 😀
Sept Turtle 12/16 NSDs
Sept PADs £6352 -
Not one for me today. Treating my parents to afternoon tea and buying my dad a card. Need petrol so may go mad and buy a chocolate bar as well. 🤗2
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Today is an unexpected NSD, so that's me at 6/10. I did go for a coffee with a friend this morning but she paid for us both. It'll be my turn next time but it gives me another May NSD.Frugal Living challenge 2025
Grocery Challenge August /£180
Save £12k in 2025 Challenge - Goal £30k
August NSD Challenge - 5/15NSDs2 -
Early call for day 6.‘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
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