Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Jubilant June's No-Spend Days Challenge!
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Number 9 for me today.
Can I up my target to 12 in July pleaseAugust No Spend Challenge: 14/13
2025 No Spend Days: 101/100
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301 -
~ NSD 2025 - NSD August 25/20 (8 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing - 1 x £25 Voucher Redeemed, 24 FREE Books of RM Stamps & Presentation Packs.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £593.80 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £16,543.30 / £12,000 💯 (8) - Continuing (-30p)1
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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.1 -
One for yesterday and today.I’m on holiday in July so I think I will drop my target back to 15 for next month.KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 45 books of target 52 in 2025, as @ 27th August
Produce tracker: £353 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 -
Early call for day 17.‘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 -
Not today junk food purchase!Mission Number One: Get a job!
Mission Number Two: Get a lodger!
Mission Number Three: Clear debt, starting balance: £1997.17, balance now: £1997.17
Once accomplished all three come back and start new missions!2 -
NSD today 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7002 -
June 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
June targetsAuntieL 12/18
BadBookkeeper 1/15
beanielou 23/19
Caeraugirl 10cathybird 20/15
Crazybee787 9/19
Crazycatlady2 2/15
cuddlymarm 8/15
CynicalPinnacle 2/10
Dizzycap 25/20
Doris17 12/15
InDebtEnby 9/10
Jay1 2 4/14
KajiKita 18/20
laurenh1 15library0602 2/10
LittleMissDetermined 9/15
Money Choices 5/12
Optimistic Saver 15/18
Pinkpieuni 10/10
Quantaqa 10/12
QueenJess 13/15
SecondStar 15short bird 17/18
thepurplepixie 13/15
Thriftymissus 19/21
VickyA 2 10/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
(I've listed the same targets as this month but pls say if you'd like to aim for something different!) July targetsAuntieL 18BadBookkeeper 15beanielou 19Caeraugirl 10cathybird 15CrazyBee787 19Crazycatlady2 15cuddlymarm 15CynicalPinnacle 10Dizzycap 20Doris17 15InDebtEnby 12Jay1 2 14KajiKita 15library0602 10LittleMissDetermined 15Money Choices 12Optimistic Saver 18Pinkpieuni 10Qantaqa 12QueenJess 15short bird 18thepurplepixie 15Thriftymissus 21VickyA 2 10🌞 🌞 Everyone welcome to join! 🌞 🌞2 -
Great going folks. Look at all those fantastic NSDs!
Early call for a 25/20 NSD Friday!Wishing everyone a Fantastic NSD Friday!~ NSD 2025 - NSD August 25/20 (8 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing - 1 x £25 Voucher Redeemed, 24 FREE Books of RM Stamps & Presentation Packs.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £593.80 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £16,543.30 / £12,000 💯 (8) - Continuing (-30p)2
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