Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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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 = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
Another NSD today 14/15 🙂Frugal Living challenge 2025
Grocery Challenge August /£180
Save £12k in 2025 Challenge - Goal £30k
August NSD Challenge - 5/15NSDs1 -
"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 15.08.25:
- 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 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £339 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 -
cathybird said:@Thriftymissus life does happen! Some months are like that xxx1
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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 8/10AuntieL 10/18beanielou 18/19Caeraugirl 8/10cathybird 17/15Changeyourlife25 3/10Crazybee787 5/19Crazycatlady2 15Dizzycap 20/20Doris17 1/15Emmel 12InDebtEnby 12/13Jay1 2 14KajiKita 17/20laurenh1 14/18LittleMissDetermined 16/15Optimistic Saver 18Pinkpieuni 4/10Prodigal50 2/15Quantaqa 14/15QueenJess 11/15Scrumpy18 10short bird 14/18thepurplepixie 15Thriftymissus 11/24VickyA 2 1/10To see the updated results for August on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞0
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Good morning allDeclaring a NSD 21/20 SaturdayWishing everyone a Super NSD Saturday - Do you really need to spend today?~ NSD 2025 - NSD August 21/20 (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)0
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