Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15
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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: 14/13
2025 No Spend Days: 161/150
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 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)1 -
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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 2025
Grocery Challenge November £1801 -
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 - 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 -
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 = £93,038.66 (10years 5months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = /£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 - 10
1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,659.62
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - Current balance £1,029.22
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
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Declaring a NSD yesterday and another one for today.2025 decluttering: 5,658 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 540🥉🥈🥇💎🏆 👑Big kitchen declutter challenge 146/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001
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