Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Jubilant June's No-Spend Days Challenge!
Comments
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One for 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 -
Good morning
One for today please
Pay off by Xmas 2026 £175/£2324.67
January NSDs 12/15
January PADs £565
January grocery challenge £94.86/£1502 -
Hello, I’m on 13.
NSD yesterday as went to a meeting and was bought a drink.
NSD today as working from home.
Was very lucky this week as was given two gift boxes, through work, these had posh chocolate and crisps in them. So that took away temptation to spend on random snacks.
2 -
NSD today 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £92,396.89 (10years 4months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £44.43/ £10002 -
NSD for me please. 10/15.
"My Life Is About The Journey Not The Destination"2 -
One today 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 7 books of target 52 in 2026 as @ 23rd January
Produce tracker: £29 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Not one today and likely no NSDs over the weekend for me. Have a great weekend everyone 😁Frugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 20262 -
Not today, I did enjoy snaffling the hotel chocolate chocolate sundae of the gods though!Goal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 6/15
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 2.3K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one? Do I?2 -
June 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
June targetsAuntieL 5/18
BadBookkeeper 1/15
beanielou 12/19
Caeraugirl 10cathybird 9/15
Crazybee787 2/19
Crazycatlady2 2/15
cuddlymarm 8/15
CynicalPinnacle 2/10
Dizzycap 12/20
Doris17 10/15
InDebtEnby 5/10
Jay1 2 4/14
KajiKita 9/20
laurenh1 15library0602 2/10
LittleMissDetermined 7/15
Money Choices 5/12
Optimistic Saver 8/18
Pinkpieuni 5/10
Quantaqa 7/12
QueenJess 3/15
SecondStar 15short bird 9/18
thepurplepixie 6/15
Thriftymissus 13/21
VickyA 2 5/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Been a bit AWOL, but I'm delighted that it means two more NSDs, so I'm up to 5/10!Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 #18 £2021.83 declared2
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