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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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
Missions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.1 -
NSD Saturday 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
@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 2025
Grocery Challenge August /£180
Save £12k in 2025 Challenge - Goal £30k
August NSD Challenge - 5/15NSDs1 -
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 xMissions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.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 declared1
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3/10
Well, a fail this month from me!Next months a winner I bet!October GC 🧡🫶 £111.19/£400
September GC 🥨🍕 - £475.63/£600
PAD Oct 💰 - £17.30PAD Sept 💪 - £205.50PAD August 🤑 - £151.90
PAD July 💷 - £305.60
NSD Oct 💳 - 2/10
NSD Sept 🙏 - 8/10
NSD August ✋ - 3/10NSD July 🚫 - 12/10
Debt Marstons - paid off (June 25)Debt Clearpay - paid off (July 25)
Debt Ovo - paid off (July 25)
Debt Klarna- paid off (September 25)
Debt Capitol one- £446.13Debt Barclaycard - £1,192.00
Debt Uksl - £1,389.831 -
Not an NSD here, but worth it 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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.0
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