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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It's one for me 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 #017Sealed pot 2025 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28271 -
NSD Friday 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,980.28
2024 Overpayment = £675.66
2025 Overpayment = £622/£7001 -
2 for me please
(Monday and Tuesday)
September GC 🥨🍕 - £243.88/£600
PAD Sept 💪 - £99.06PAD August 🤑 - £151.90
PAD July 💷 - £305.60
NSD Sept 🙏 - 2/10
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- £263.98Debt Barclaycard - £1,069.33
Debt Uksl - £1,399.831 -
September 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =September targetsAfdaff 10AuntieL 3/18beanielou 5/19Caeraugirl 10cathybird 3/15Changeyourlife25 2/10Crazybee787 3/19Crazycatlady2 15Dizzycap 4/20Doris17 15Emmel 12InDebtEnby 4/13KajiKita 4/20laurenh1 3/18LittleMissDetermined 3/15Pinkpieuni 3/10Prodigal50 1/10Quantaqa 15QueenJess 4/15Scrumpy18 10short bird 4/18Tenar15 3/10thepurplepixie 15Thriftymissus 24VickyA 2 1/15To see the updated results for September on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞0
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3/19 Please @cathybird Thank youMission Number One: Get a job!
Mission Number Two: Get a lodger!
Mission Number Three: Clear debt, starting balance: £1997.17, balance now: £1800.00
Mission Number Four: Keep Job!
Once accomplished all four missions come back and start new missions!1 -
None for me today unfortunately, as I've well and truly pushed the contents of my fridge to their limits, and the OH has been looking longingly at crumbs in the cupboards!1
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Declaring another NSD for today.2025 decluttering: 5,050 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 362🥉🥈🥇💎🏆Mini freezer challenge +4/-20Big kitchen declutter challenge 120/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001
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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 -
It's a 4/20 NSD Friday!~ NSD 2025 - NSD September 12/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing - 1 x £25 Voucher Redeemed, 24 FREE Books of RM Stamps & Presentation Packs.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £635.80 / £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 £16,543.30 / £12,000 💯 (8) - Continuing (-30p)1
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Another one for me todayCurrent No Spend Challenge: 4/13
2025 No Spend Days: 106/100
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301
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