Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
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Dazzling December's No-Spend Days Challenge!
Comments
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Another one today. Now up to 7/15
Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 #18 £2021.83 declared1 -
NSD Monday 😁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 -
Another one for meCurrent No Spend Challenge: 3/13
2025 No Spend Days: 97/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
NSD Monday here 😊
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 59 books of target 52 in 2026 as @ 15th August.
Produce tracker: £200 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 -
December 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 8/15
beanielou 13/19
BogStandardBob 12cathybird 12/15
Dizzycap 14/20
Frisby40 10/15
InDebtEnby 5/13
KajiKita 11/18
laurenh1 5/18
leftatthetrafficlights 6/15
LittleMissDetermined 11/15
Pinkpieuni 5/10
Prodigal50 10QueenJess 15short bird 18VickyA 2 8/15
To see the updated results for December on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Very early call for a 14/20 NSD Tuesday - Rain expected for most of today
but I'm off to deliver my homemade Chrissy presents to neighbours using my doggie trolly which I've decorated as Santa's sleigh 
Jingle, jingle and I've got a stuffed soft toy Chrissy Dachshund with red nose peering out the front as my reindeer --**MONEYFACTS**-- FULL List of Money Comparison Products + News / Guides--Personal MSE 2026 Money Saving Challenges:# Regular Savers 2026- New 9/12 - Total: 31 (6)# No.2 Save 1p A Day Challenge 2026 £355.02 / £667.95 (6)# No.4 Save £12k in 2026 - £8492.37 / £12,000 (6)# £10-a-Day Challenge 2026 - £710.56 / £1825 (6)# No.8 Sealed Pot Challenge 19 (22/10) 426 / £400 (6)# No.27 - Top Up EP 2 £1255 / £2880 (6).# Decluttering Challenge (6)# No.4 £2 Savers Club 2026 - Completed# No.5 Fiver Friday Challenge 2026 - Completed# Make £2026 in 2026 - Completed# Spectos Mailagent - ReadyMotto: 'SAVE before you spend on Non-essentials'1 -
Not 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. 13 months left.1 -
And another NSD! 8/15Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 #18 £2021.83 declared1
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One today.
Challenges
NSD - August - xx/10
1. 2026 Mortgage-Free Wannabes #61 £27,100/£27,100, target met June 2026, mortgage balance - £0. mortgage @ Jan 2025 - £75,600
2. 2026 Mortgage Free Wannabe #47 , buy to let deposit xx/20k
3. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
4.52 Week Envelope Saving Challenge #2 £689/£1,378 -( 26/52)
5. EF - £1,742
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NSD Tuesday 😊
KKAs at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 59 books of target 52 in 2026 as @ 15th August.
Produce tracker: £200 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
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