Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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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 = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£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 
Personal MSE 2026 Money Saving Challenges:# No.2 Save 1p A Day Challenge 2026 £295.85 / £667.95 (5)# No.4 Save £12k in 2026 - £7495.78 / £12,000 (5)# £10-a-Day Challenge 2026 - £233.46 / £1825 (5)# No.8 Sealed Pot Challenge 19 (24/10) 286.45 / £400 (5)# No.27 - Top Up EP 2 £865 / £2880 (5).# Decluttering Challenge (5)# No.4 £2 Savers Club 2026 - Completed# No.5 Fiver Friday Challenge 2026 - Completed# Make £2026 in 2026 - Completed# Spectos Mailagent - Ready2 -
Today will be another one for me 🙂.Frugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.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 youXX2
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NSD here today 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 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: 1,244 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 365🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0002
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