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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Good morning
One for me today please
Sept Turtle 12/16 NSDs
Sept PADs £6352 -
Third day for me so 3/15. I know I'm going to have 3 spending days now so hopefully day 4 will be Thursday2
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Back on the NSD horse with number 4.
spent on a bus fare but nothing else and did that with loose change rather than on a card for my groaning bank account. Chuffed as I was expecting to spend today.2 -
NSD today.
Challenges
NSD - Oct 9/10
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 £21,284/£38,000
Mortgage - Jan 2025 £75,600-Current bal £52,167 Target MF (Jun 26) 278 days.
Loan - Jan 2025 £4,095 - Current balance £1,799.89
"Look after the pennies and the pounds will look after themselves"
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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 -
Reporting 2 NSDs - Saturday and Sunday 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7002 -
Today is an unexpected NSD after all. Did my Race for Life but didn't go to the food truck after all. Now on 2/10.😃Frugal Living challenge 2025
Grocery Challenge August /£180
Save £12k in 2025 Challenge - Goal £30k
August NSD Challenge - 5/15NSDs1 -
Not Today I have treated myself to a long awaited takeawayXXMissions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.2 -
May 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
May targetsAuntieL 3/18
BadBookkeeper 2/15
beanielou 4/19
birdsfoottrefoil 10Caeraugirl 2/20
cathybird 1/15
Crazybee787 2/19
Crazycatlady2 1/15
cuddlymarm 3/15
Dizzycap 4/20
doingitanyway 10Doris17 1/15
ET22 10InDebtEnby 2/10
Jay1 2 1/14
KajiKita 3/20
laura lau 20laurenh1 1/15
library0602 1/10
LittleMissDetermined 1/15
Louise600 10Money Choices 10Optimistic Saver 2/20
Pinkpieuni 3/10
Quantaqa 2/10
QueenJess 2/15
SecondStar 15short bird 2/18
thepurplepixie 3/15
Thriftymissus 4/TF
To see the updated results for May on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Not 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
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