Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Awesome August's No-Spend Days Challenge!
Comments
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7/19 Please @cathybird Thank youMissions: -
1) Build up an emergency fund (EF) £2000/£3500 By end of 2025!
2) Pay off Mortgage Starting £58000 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.1 -
NSD Wednesday 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
Another one for me.Current No Spend Challenge: 16/13
2025 No Spend Days: 130/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301 -
August 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
August targetsAfdaff 8/10
AuntieL 14/18
beanielou 22/19
Caeraugirl 8/10
cathybird 20/15
Changeyourlife25 3/10
Crazybee787 7/19
Crazycatlady2 15Dizzycap 25/20
Doris17 1/15
Emmel 12InDebtEnby 14/13
Jay1 2 14KajiKita 21/20
laurenh1 16/18
LittleMissDetermined 16/15
Optimistic Saver 18Pinkpieuni 9/10
Prodigal50 2/15
Quantaqa 15/15
QueenJess 13/15
Scrumpy18 10short bird 18/18
thepurplepixie 15Thriftymissus 11/24
VickyA 2 4/10
To see the updated results for August on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Another NSD. I won't achieve my target this month, but I have had a marvellous holiday. I suppose I had saved for it, but there were frivolities!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 declared3
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Morning all
Declaring a 25/20 NSD Thursday
@cathybird - I'm happy to keep 20 NSD for September - Thank you for keeping the thread going and updaing daily I might not record any more NSD over the weekend, not that I'm expecting any spendy days, but will see you over on the September Thread xxxx~ NSD 2025 - NSD October 19/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1278.68 / £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 £20,075.12 / £12,000 💯 (8) - Continuing1 -
One yesterday and one for today please CB xx1
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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 -
Another nsd today, struggling to meet target this month due to school holidays.
Challenges
NSD - Oct 13/10
Pay off all your debts by Christmas 2025 #7 £6,500/£6,500 - All gone, paid off.
52 Week Envelope Saving Challenge #7 £1,378/£1,378 -(52/52)
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £27,324.59/£38,000
Mortgage - Jan 2025 £75,600-Current bal £46,226.10 Target MF (Jun 26) 252 days.
Loan - Jan 2025 £4,095 - Current balance £1,799.89
"Look after the pennies and the pounds will look after themselves"
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Not today, I started off with a bacon butty from the local bakery, I did win a prize on postcode lottery though, not enough to counter the day, not even breakfast! I also did something, I bought some clothes that I got to try on in a shop, and I loved them, being a big lass this was a rare occurence, although I spent, It was a good day. I am also going out tomorrow so not sure about then. I am thinking I will try and reign it in, I do want to get a calender as they do really good arty ones where we are going and this years one that I had purchased brought a lot of cheer, so I think it would be worth it. I'll let you know what I decide tomorrow, perhaps I can wait for another time or maybe I won't like the options?Missions: -
1) Build up an emergency fund (EF) £2000/£3500 By end of 2025!
2) Pay off Mortgage Starting £58000 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.3
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