Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 1/15
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Jubilant June's No-Spend Days Challenge!
Comments
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NSD Sunday and Monday 😁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 -
June 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
June targetsAuntieL 7/18
BadBookkeeper 1/15
beanielou 16/19
Caeraugirl 10cathybird 12/15
Crazybee787 4/19
Crazycatlady2 2/15
cuddlymarm 8/15
CynicalPinnacle 2/10
Dizzycap 15/20
Doris17 12/15
InDebtEnby 6/10
Jay1 2 4/14
KajiKita 11/20
laurenh1 15library0602 2/10
LittleMissDetermined 9/15
Money Choices 5/12
Optimistic Saver 8/18
Pinkpieuni 6/10
Quantaqa 9/12
QueenJess 8/15
SecondStar 15short bird 12/18
thepurplepixie 9/15
Thriftymissus 15/21
VickyA 2 7/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞3 -
Tuesday is going to be a Spend Day - babyface needs some special hibiscrub and I've recieved an 80% off offer on large 500ml bottles, so I'm grabbing it and bulk buying along with some other items she needs
I might also stock up on milk for the freezer early in the morning before it get too hot to do anything 
# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £0 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £20 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge for 2026 £25/£230 (1)# Make £2026 in 2026 £318.94 / £2026 (1)2 -
Today will be another one for me 🙂.Frugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 2026
Declutter Challenge 20262 -
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 -
Monday was day 12. That might well be it till Friday...‘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 -
Day 15 for me today 👍2
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4/19 Please @cathybird Thank youXXGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.2 -
NSD here today 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- 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 1 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 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 -
Declaring a NSD for today.2026 decluttering: 22026 use up challenge: 12026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 I 🥉25 🥈50 🥇100 💎 1502
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