Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15
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Outstanding October's No-Spend Days Challenge!
Comments
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Calling an early NSD Sunday 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £93,038.66 (10years 5months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = /£10001 -
Not today I treated myself to a breakfast out £12.95 and it was very good, feels like a bit of self love, tomorrow aiming for 15! However it is a work day at the office, will try my best, I can do it! Plus I really want the cat emoji I think it will bring luck! XX1
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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 -
October 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 16/18
beanielou 27/19
Caeraugirl 10cathybird 18/15
Changeyourlife25 2/10
Crazybee787 14/12
Dizzycap 24/20
doingitanyway 7/12
Doris17 3/15
Emmel 12InDebtEnby 18/13
KajiKita 20/20
laurenh1 16/18
LittleMissDetermined 19/18
Pinkpieuni 13/10
Prodigal50 10Quantaqa 15QueenJess 9/15
short bird 12/18
Tenar15 10VickyA 2 13/15
To see the updated results for October on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Monday will be a spendy day, unless I manage to find some free fleece fabric, so I'll be staying on 24/20
~ Totally FREE Christmas 2026~ NSD 2026 - NSD January 0/20 (1)# Spectos/Royal Mail Monitoring and Posting Panel 2026 - Rest# No.36 Make £2026 in 2026 £0 / £2026 (1)# No.12 Save £2 a Day 2026 £0 / £730 (1)# No.2 Save 1p A Day 2026 £0 / £667.95 (1)# No.19 52 Week Env Challenge 2026 £0 / £1378 (1)# No.4 Save £12k in 2026 £0 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £0 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)1 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
(I've listed the same targets as this month but pls say if you'd like to aim for something different!) November targetsAuntieL 18beanielou 19Caeraugirl 10cathybird 15Changeyourlife25 10CrazyBee787 12Crazycatlady2 15Dizzycap 20doingitanyway 12Doris17 15Emmel 12InDebtEnby 13KajiKita 20laurenh1 18LittleMissDetermined 18Pinkpieuni 10Prodigal50 10Quantaqa 15QueenJess 15short bird 18Tenar15 10VickyA 2 15🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
2 more please for 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 £4055/£60001 -
Not today I am buying lunch outXX1
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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.2 -
NSD Monday 😁 PS loving my new emoji 🐈⬛Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £93,038.66 (10years 5months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = /£10002
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