Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18
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Joyful July's No-Spend Days Challenge!
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Sorry for the late check-in, @cathybird and thanks so much for running this thread, again, for July!
4/18 so far - I am hoping to be more disciplined this month…. 💪🤞
From Jan 25:
4,419.92-1,957.50
4,538-3,260
3,240.18-3,240.18
BL 1,900-1,120
Total: 12,182.91-9,577.68
🏆 ⬇️ by £2,605.23
NSD July 4/18
#58 1p: 226.97/667.95 212/365
#18 52: 1,063.89/1,378 27/52
#32 Make 2025: 941.31/2,025
#20 12k: 5,145.85/5,000
Vin 86.50
YG YL 100
Prol SB 311.81
Bank 364.32
Quid 100.03
Ched 49.77
Snap 20
Books 4.02
Monzo 2,232.17
TSB 700/2,700
FD 1,100/3,500
Atom 200
Prin 600/1,224.74
Invest 313.68
🏆 ⬆️ Total: £5,145.85
Trading: £793.73
Mortgage: £58,471.882 -
3/8 for me today. I thought about ordering a takeaway for tea but I have plenty of food in the fridge and freezer so absolutely no need!Dad was chuffed with his birthday present and I still haven’t bought any books from Amazon 🤣4
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Not one today - I had a very exhausting interview and caved on the way home to buy the kids some fun bubble bars (will get used, but really didn't need any more) and some lovely earrings for me (again not needed, although I've been looking for the right ones for ages).2025 decluttering: 3,452🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 289🥉🥈🥇💎🏆
Big kitchen declutter challenge 78/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5003 -
Unexpected NSD today.
I’m going to be away for a lot of this month so won’t reach 18 but hopefully will manage a few NSDsMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7002 -
Oh, I’m late! NSD here 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 36 books of target 52 in 2025, as @ 19th July
Produce tracker: £205 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.2 -
July 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =July targetsAuntieL 1/18BadBookkeeper 15beanielou 5/19BridgetTheCat 3/8Caeraugirl 10Changeyourlife25 2/10cathybird 3/15Crazybee787 1/19Crazycatlady2 3/15cuddlymarm 15CynicalPinnacle 10Dizzycap 4/20Doris17 3/15InDebtEnby 2/12IRunFar 10Jay1 2 3/14KajiKita 4/15laurenh1 2/18library0602 10LittleMissDetermined 15Money Choices 12Optimistic Saver 4/18Pinkpieuni 1/10QueenJess 2/15short bird 2/18thepurplepixie 15Thriftymissus 3/TFVickyA 2 3/10To see the updated results for June on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞1
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2/12 for me1
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CrazyBee787 said:Not today, I wanted to try again at making treacle tart so when out for ingredients and bought lunch tooXX
Pastry base, then sprinkle some crushed weetabix or crushed shreaded wheat in it then fill with golden syrup and bake till the pastry is done. My dad really liked them, I thought they were OK - a bit sweet for me even as a child.2 -
Yesterday I forgot to post, but it was my 3rd NSD. Today I spent.
((Note to self for other total, only food/groceries))2 -
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
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