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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NSD here today 😊
KK
As at 15.11.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 68 books of target 52 in 2025, as @ 26th November
Produce tracker: £442 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 -
NSD Thursday 😁MFW 2025 #45
Jan 2016 Mortgage = £150, 894 (23years 0months)
Current outstanding = £93,904 (10years 6months)
2024 Overpayment = £675.66
2025 Overpayment = £681/£7001 -
August 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
August targetsAfdaff 8/10
AuntieL 15/18
beanielou 23/19
Caeraugirl 12/10
cathybird 20/15
Changeyourlife25 3/10
Crazybee787 7/19
Crazycatlady2 15Dizzycap 25/20
Doris17 1/15
Emmel 12InDebtEnby 15/13
Jay1 2 14KajiKita 22/20
laurenh1 17/18
LittleMissDetermined 19/15
Optimistic Saver 18Pinkpieuni 10/10
Prodigal50 2/15
Quantaqa 15/15
QueenJess 14/15
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 -
3 more for me please, for Wednesday, yesterday and today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60002 -
One today. Might just make it by the skin of my teeth 🤣3
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One for yesterdayCurrent No Spend Challenge: 10/13
2025 No Spend Days: 144/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301 -
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 4 to add since my last update, taking me to 12.#21 Save £12k in 2025 £24277.35/£200001
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Declaring a NSD today (technically I bought a dustpan and brush because mine has broken, but it is absolutely essential and certainly not a frivolous purchase so it doesn't count).2025 decluttering: 5,378 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 473🥉🥈🥇💎🏆Big kitchen declutter challenge 139/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002
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One today.
Challenges
NSD - Nov 9/10
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 £34,501.82/£38,000
Mortgage - Jan 2025 £75,600-Current bal £38,405.76 Target MF (Jun 26) 240 days.
Loan - Jan 2025 £4,095 - Current balance £1,544.37
"Look after the pennies and the pounds will look after themselves"
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