Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Nifty November's No-Spend Days challenge!
Comments
-
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 £3677/£60001 -
Nsd yesterday and today.
Challenges
NSD - Nov 9/10
Pay off all your debts by Christmas 2025 #7 £6,500/£6,500 - All gone, paid off.
52 Week Envelope Saving Challenge #7 £1,378/£1,378 -(52/52)
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £34,501.82/£38,000
Mortgage - Jan 2025 £75,600-Current bal £38,405.76 Target MF (Jun 26) 240 days.
Loan - Jan 2025 £4,095 - Current balance £1,544.37
"Look after the pennies and the pounds will look after themselves"
1 -
An early call for today
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*** ~~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 2025 - NSD November 24/15 (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 £1756.28 / £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 -
NSD Wednesday 😁MFW 2025 #45
Jan 2016 Mortgage = £150, 894 (23years 0months)
Current outstanding = £93,904 (10years 6months)
2024 Overpayment = £675.66
2025 Overpayment = £681/£7001 -
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)
October 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £150, 894 (23years 0months)
Current outstanding = £93,904 (10years 6months)
2024 Overpayment = £675.66
2025 Overpayment = £681/£7002 -
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'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
Nov GC: £113.56/£350
DNF: 2/45
'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
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.6K Banking & Borrowing
- 253.8K Reduce Debt & Boost Income
- 454.5K Spending & Discounts
- 245.6K Work, Benefits & Business
- 601.6K Mortgages, Homes & Bills
- 177.7K Life & Family
- 259.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards