Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Nifty November's No-Spend Days challenge!
Comments
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NSD Friday 😁MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
Friday was a 12/15 NSD
- Today; Saturday, is a spend day as it's car insurance time and I've got a super deal 
, so will be staying on 12/15. Will be back on the NSD Train tomorrow 
~ NSD 2025 - NSD November 16/15 (11 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & 2 x Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1698.68 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £21,877.08 / £12,000 💯 (11) - Continuing1 -
Hi @cathybird Sorry to be a nuisance but where I thought I had not spent I forgot I had therefore please can you change my total to 4/12 Thank you XX2
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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 -
One for me today please
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 £3677/£60001 -
Not today I am cooking and therefore I have bought ingredients. Have a lovely weekend allXX1
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Not today - met a friend and bought myself a beautiful white African violet ❤️
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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.2 -
November 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 9/18
beanielou 13/19
BogStandardBob 4/12
cathybird 10/15
Changeyourlife25 10Crazybee787 4/12
Dizzycap 13/15
doingitanyway 1/12
Doris17 6/15
InDebtEnby 6/13
KajiKita 11/20
laurenh1 13/18
leftatthetrafficlights 11/15
LittleMissDetermined 10/12
Pinkpieuni 5/10
Prodigal50 10QueenJess 15short bird 18VickyA 2 4/15woodyemm 10To see the updated results for November on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
One today. I did pop out to the charity shop to drop some things off but their parking machine wasn't working so I didn't stay & look around as I didn't want to risk a fine. Prepped my meals for the week ahead
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It's a 13/15 NSD Sunday! ~ NSD 2025 - NSD November 16/15 (11 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & 2 x Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1698.68 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £21,877.08 / £12,000 💯 (11) - Continuing0
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