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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8/10 inching closer to the targetCurrent No Spend Challenge: 12/13
2025 No Spend Days: 12/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Well done everyone!
Staying on 20/20 - Having my main bathroom suit and flooring being finally fitted tomorrow, so expecting a spend day
Wishing everyone a Mega NSD Monday!EDIT: Bathroom won't be finished today so it's a 21/20 NSD!# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £2454.88 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £30 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge 2026 £25/£230 (1)# Make £2026 in 2026 £834.42 / £2026 (1)1 -
One todayI 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.1 -
Hello, today is an NSD, I’m sure of it. That’s number 18, Stocked up at supermarket yesterday. Am on holiday and if I go out later, it wil be my partner’s turn to pay at the taverna. ❤️3
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One today. I had hope tomorrow will be one too but DHs car is booked in to the garage so NSD unlikely.
Frugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 20261 -
Not today I bought lunch outXX
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 -
Monday is day 16...‘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.1 -
Starting the week with a NSD 😁 Won’t make my target but still hoping to get a few more NSDs this monthMFW 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/ £10001 -
Nsd for me today. Other news bought a car for £500 from a friend to keep us going until MF next year incase our car isn't fixable - it's old (had mechanic check it) but moving okay - it's only needed for school runs which is 20mins, I will be taking the bus into work.
Challenges
NSD - January - 8/10
1. 2026 Mortgage-Free Wannabes #61 £1,269 /£29,000, MF target May 2026, current mortgage balance - £28,616.15
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
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Declaring a NSD yesterday and another one for today.2026 decluttering: 319 🤑🥉 ⭐️🥈🥇
2026 use up challenge: 109🥉 ⭐️🥈🥇
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3001
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