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!
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NSD Wednesday for me 😁MFW 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 -
Not 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 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Number 4 for me today 👍
@CrazyBee787 you could be kind to you and not include business costs? (And pay yourself back when you can from the business? Xxx)3 -
Declaring another NSD today.2025 decluttering: 5,654 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 537🥉🥈🥇💎🏆 👑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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June 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
June targetsAuntieL 2/18
BadBookkeeper 1/15
beanielou 4/19
birdsfoottrefoil 10Caeraugirl 10cathybird 3/15
Crazybee787 1/19
Crazycatlady2 2/15
cuddlymarm 3/15
Dizzycap 5/20
doingitanyway 10Doris17 5/15
ET22 10InDebtEnby 10Jay1 2 14KajiKita 2/20
laurenh1 15library0602 10LittleMissDetermined 2/15
Optimistic Saver 3/18
Pinkpieuni 2/10
Quantaqa 2/12
QueenJess 2/15
SecondStar 15short bird 4/18
thepurplepixie 2/15
Thriftymissus 4/21
VickyA 2 1/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
A very early call for a NSD 5/20 Thursday - I will be asleep for most of the dayWishing everyone a Thrashing NSD Thursday
# 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 -
Thursday was day 4.‘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 -
Hi Thriftymissus that sounds like a good idea thank you, but I am not even sure I will make money yet, I recently put an ad in Yell.com and there were loads of other businesses similar to mine in there, I have bought things though that will come in should I not succeed. Also one of the reasons for getting the items is because I can't run a business with the stuff I have although MD said I should have tried that. Anyhow I think alll the spending is over for now, So I should be able to collect a few NS days now - here's hopingXXXThriftymissus said:Number 4 for me today 👍
@CrazyBee787 you could be kind to you and not include business costs? (And pay yourself back when you can from the business? Xxx)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.1 -
Good morning
One for me today please
Pay off by Xmas 2026 £70/£2324.67
January NSDs 0/15
January PADs1 -
Early call for me. 5//15
WFH all day, back to back meeting.
"My Life Is About The Journey Not The Destination"1
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