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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It is not one today. I have ordered a new sweatshirt.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 -
with cats, beanie?Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.2
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I’m out for this month guys; there’s been a few nsd but to be honest I’ve lost track.
i will rejoin you all in November
Jan 26 GC 🥞🧇 £0/£500
Debt free in 2026 - £0 of £4,117.471 -
No! It’s actually a Betty Bramble one. Her sweatshirts are lovely.in_need_of_direction said:with cats, beanie?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 Thursday 😁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 -
NSD Thursday here 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 -
@CrazyBee787 speaking for myself I don't count taking cash out as a spend, I'd count it a spendy day on the day it's actually spent. After all you could potentially hang on to the cash for months. Just my thought xx
@Changeyourlife25 see you on the November thread! xxx 2 -
October 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 19/18
beanielou 29/19
Caeraugirl 10cathybird 20/15
Changeyourlife25 2/10
Crazybee787 15/12
Dizzycap 26/20
doingitanyway 7/12
Doris17 3/15
Emmel 12InDebtEnby 20/13
KajiKita 24/20
laurenh1 18/18
LittleMissDetermined 20/18
Pinkpieuni 15/10
Prodigal50 10Quantaqa 15QueenJess 11/15
short bird 20/18
Tenar15 10VickyA 2 14/15
To see the updated results for October on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Thanks @cathybird Not today as I purchased a mixture of groceries and sweets (Non essential). Thank youXX1
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Declaring a NSD today and for yesterday.2025 decluttering: 5,544 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 513🥉🥈🥇💎🏆 👑Big kitchen declutter challenge 143/1502025 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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