Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Outstanding October's No-Spend Days Challenge!
Comments
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7/12 Please @cathybird Thank youXX
Goals for 2026: -
- Save £4000 EF
- Save for a holiday if possible as well (secondry)
- No spends days 15+
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NSD Saturday 😁MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10001 -
One for yesterday, not today though as I had lunch out, got my nose pierced and bought some mugs.Current No Spend Challenge: 8/13
2025 No Spend Days: 46/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
October 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 8/18
beanielou 11/19
Caeraugirl 10cathybird 8/15
Changeyourlife25 2/10
Crazybee787 8/12
Crazycatlady2 15Dizzycap 11/20
doingitanyway 4/12
Doris17 3/15
Emmel 12InDebtEnby 8/13
KajiKita 8/20
laurenh1 6/18
LittleMissDetermined 8/18
Pinkpieuni 6/10
Prodigal50 10Quantaqa 15QueenJess 3/15
short bird 7/18
Tenar15 10VickyA 2 3/15
To see the updated results for October on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Exceedingly early call for an 11/20 NSD Sunday! No intention of doing anything except visiting an elderly neighbour followed by PJ's and a relaxing day
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1886.43 / £2026 (4)1 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Another one for me today pleaseLMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60001
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Sorry @cathybird. Missed mine for the 9th. So that’s one to add.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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
NSD Sunday 😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
@cathybird I spent £7.50 on a delivery pass, but does this count as a regular bill, it is a new thing I have started. If This counts as a spend I did use my pocket money anyhow - can I still have a no spend day? Your choice. Thank you XX
Goals for 2026: -
- Save £4000 EF
- Save for a holiday if possible as well (secondry)
- No spends days 15+
2
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