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 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 -
Hi @cathybird thank you, but I have decided to buy a few other things which are not strictly groceries, I just think this morning that I would quite like not to cook or bake, so I will buy, I am trying to get into a good place for Monday (for my new job!). So plenty of R&R as my body is still complaining about the decorating I did last week! 😒cathybird said:
@CrazyBee787 definitely yes! xxCrazyBee787 said:Hi all, I need more milk & garlic as it is grocery items are you okay when I get this tomorrow, providing this is all I buy to make it a no spend day? It will give me the motivation I need to try? I think the answer will be yes, so I will try...Thank youXX
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 -
NSD Saturday 😁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 -
@Cathybird, I'm not going to take part in the September challenge. I've got a health situation going on and not logging in th MSE much at the moment. Best of luck to everyone taking part next month xFrugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 2026
Declutter Challenge 20261 -
Hi Quantaqa I hope your health problem rights itself, all the bestXXQuantaqa said:@Cathybird, I'm not going to take part in the September challenge. I've got a health situation going on and not logging in th MSE much at the moment. Best of luck to everyone taking part next month xGoal 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 -
Saturday is day 20: just going to work and that's it...‘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 -
Two more to add to August. Not too unhappy, considering the holiday away!Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 #18 £2021.83 declared1
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3/10
Well, a fail this month from me!Next months a winner I bet!Jan 26 GC 🥞🧇 £172.30/£500
Debt free in 2026 - £437.18 of £4,226.52
NSD JAN 2/10
PAD JAN £29.751 -
Not an NSD here, but worth it 😊
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.0
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