Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15
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Nifty November's No-Spend Days challenge!
Comments
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Another one for meCurrent No Spend Challenge: 10/13
2025 No Spend Days: 157/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Hmmm … I’m thinking December might be a tough month for me as I have still got quite a bit to get … 🤔
18 for me.Not an NSD today.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 -
It's another NSD 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 #017EF £1000/£1000 | Sabbatical £4055/£60001 -
I'll leave my target at 15 for December please @cathybird 😁'Happiness is not a destination but the journey you walk every day'
Jan GC: £0/£100
DNF: £0/£6700
Garden sections: 0/21
DNF: 3/45
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'1 -
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 one today, I paid for my tickets for Disneyland Paris next year. Might get another one or two in!1
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November 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 14/18
beanielou 24/19
BogStandardBob 4/12
cathybird 17/15
Changeyourlife25 10Crazybee787 5/12
Dizzycap 22/15
doingitanyway 1/12
Doris17 6/15
InDebtEnby 10/13
KajiKita 20/20
laurenh1 20/18
leftatthetrafficlights 21/15
LittleMissDetermined 16/12
Pinkpieuni 9/10
Prodigal50 10QueenJess 15short bird 18VickyA 2 11/15
woodyemm 10To see the updated results for November on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
December targetsAuntieL 15beanielou 19BogStandardBob 12cathybird 15Dizzycap 15doingitanyway 12Doris17 15InDebtEnby 13KajiKita 18laurenh1 18leftatthetrafficlights 15LittleMissDetermined 12Pinkpieuni 10Prodigal50 10QueenJess 15short bird 18VickyA 2 15🌞 🌞 Everyone welcome to join! 🌞 🌞1
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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 -
Apologies for being absent. Too much going on, but I’ll be back for December.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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