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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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 #017EF £1000/£1000 | Sabbatical £4055/£60001 -
Nsd yesterday and today.
Challenges
NSD - Dec 9/10
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £42,801.82/£38,000
Mortgage @ Jan 2025 £75,600-Current bal £29,851.26 Target MF - Jun 26, 187 days away.
2026 Challenges
NSD - January
1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,851.26
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - Current balance £1,029.22
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
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An early call for today
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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 -
Today is a spendy day Wednesday (Staying at 4/15) - Car MOT & small repairs all done & I will be purchasing my road tax this evening, so just the one anticipated spend for this week. Babyface also had to be taken to see the VET as she has an ear infection, so another spend on a spend day. Hopefully, back on the NSD Train tomorrow
~ NSD 2026 - NSD January 0/20 (1)# Spectos/Royal Mail Monitoring and Posting Panel 2026 - On 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.16 Sealed (Christmas) Pot Challenge 19 - 2026 - 24/12/25 - 24/10 2026 £50+ / £400 (1)1 -
NSD Wednesday 😁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 -
I hope Babyface has a quick recovery.Dizzycap said:Today is a spendy day Wednesday (Staying at 4/15) - Car MOT & small repairs all done & I will be purchasing my road tax this evening, so just the one anticipated spend for this week. Babyface also had to be taken to see the VET as she has an ear infection, so another spend on a spend day. Hopefully, back on the NSD Train tomorrowDebt-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 -
5 for me today please 😁 Dd has asked what I'm doing tomorrow so it could be a spendy one 🤔'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 -
No spend day for me 3/15.
"My Life Is About The Journey Not The Destination"1 -
Not today Bacon butty as a pick me upXX1
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