Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15
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Awesome August's No-Spend Days Challenge!
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One yesterday and one today. Spendy day Wednesday as it was the funeral. Hoping I might just make target 😬1
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NSD Friday 😁MFW 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 -
Another NSD today 14/15 🙂Frugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 2026
Declutter Challenge 20261 -
"Early" call for day 14.‘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 -
Bought some acrylic yarn for my crochet but from ‘pocket money’ so an NSD here 😊
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 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Thank you. 🌸Two more NSDs to add, takes me to 11cathybird said:@Thriftymissus life does happen! Some months are like that xxx
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Not 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 -
August 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
August targetsAfdaff 8/10
AuntieL 10/18
beanielou 18/19
Caeraugirl 8/10
cathybird 17/15
Changeyourlife25 3/10
Crazybee787 5/19
Crazycatlady2 15Dizzycap 21/20
Doris17 1/15
Emmel 12InDebtEnby 12/13
Jay1 2 14KajiKita 17/20
laurenh1 14/18
LittleMissDetermined 16/15
Optimistic Saver 18Pinkpieuni 4/10
Prodigal50 2/15
Quantaqa 14/15
QueenJess 11/15
Scrumpy18 10short bird 14/18
thepurplepixie 15Thriftymissus 11/24
VickyA 2 1/10
To see the updated results for August on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Good morning all
Declaring a NSD 21/20 SaturdayWishing everyone a Super NSD Saturday - Do you really need to spend today?
# 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 £26 / £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 £602.92 / £2026 (1)1
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