Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Splendid September's No-Spend Days Challenge!
Comments
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not today thanks.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 Monday 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
Day 19 on Monday.
‘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 -
Another today 😊
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.1 -
September 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
September targetsAfdaff 10AuntieL 19/18
beanielou 27/19
Caeraugirl 10cathybird 21/15
Changeyourlife25 6/10
Crazybee787 12/19
Crazycatlady2 15Dizzycap 25/20
Doris17 15Emmel 12InDebtEnby 12/13
KajiKita 24/20
laurenh1 17/18
LittleMissDetermined 17/15
Pinkpieuni 16/10
Prodigal50 10/10
Quantaqa 15QueenJess 18/15
Scrumpy18 10short bird 20/18
Tenar15 10/10
VickyA 2 15/15
To see the updated results for September on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Day 20!
Haven't seen one of those for a while!
‘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 -
Not today I have been buying cXXp!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 -
Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7002 -
As 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.1 -
Managed to scrape through to my target on the last day! More unexpected spendy days than I anticipated this month, hopefully the next can be better. Thank you!2
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