Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18
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Splendid September's No-Spend Days Challenge!
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Another TWO to add to the tally!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 declared2
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It's a NSD 18/20 Saturday!~ NSD 2025 - NSD September 21/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing - 1 x £25 Voucher Redeemed, 26 FREE Books of RM Stamps & Presentation Packs.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £824.80 / £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 £18,551.17 / £12,000 💯 (8) - Continuing2
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NSD Saturday 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,980.28
2024 Overpayment = £675.66
2025 Overpayment = £622/£7001 -
September 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =September targetsAfdaff 10AuntieL 14/18beanielou 19/19Caeraugirl 10cathybird 15/15Changeyourlife25 5/10Crazybee787 10/19Crazycatlady2 15Dizzycap 18/20Doris17 15Emmel 12InDebtEnby 9/13KajiKita 16/20laurenh1 13/18LittleMissDetermined 12/15Pinkpieuni 12/10Prodigal50 4/10Quantaqa 15QueenJess 14/15Scrumpy18 10short bird 14/18Tenar15 8/10thepurplepixie 15Thriftymissus 24VickyA 2 11/15To see the updated results for September on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞2
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NSDs yesterday and today 😊
KKAs at 15.09.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £230,969
- OPs to mortgage = £12,270 Interest saved £5,816 to date
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2025, as @ 17th September
Produce tracker: £389 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 -
An early call for today xx2
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One today. Sound bath has been cancelled. Boo.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.2 -
Sunday is NSD 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 -
NSD SundayDebt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,980.28
2024 Overpayment = £675.66
2025 Overpayment = £622/£7001 -
Another NSD here1
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